Well, it's less it "doesn't work" and it's more "banks there won't support it."It’s quite annoying that places outside the USA are limited to some of the features Apple announced i.e. the ID thing in wallet. And it’s been YEARS since Apple announced Apple Pay Cash and being able to send it to people yet it still doesn’t work in England.
Same in Canada - the banks here have a thing called Interac E-transfer that lets you transfer money from your account and send to someone via e-mail or text message. They are not going to give that up for Apple to get a big piece of the electronic money transfer pie.
Now why Apple can't bring accident reporting on Maps to Canada is another matter entirely.