Why can't I download Samsung Pay?

I have an international unlocked S6. I cannot download Samsung Pay through galaxy apps nor the play store. It says it's unavailable in my region.

We bought our phones in the US, I just changed my Samsung account over to a Canadian one. My husband can use Pay on his phone AND his Gear, which he also bought in the US. My Gear, bought in Canada, doesn't seem to have Pay pre-installed. Help.

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