Apple Pay canMakePayments not work

I had bind a sandbox debit card 5204 2477 5000 1489 and capabilities pass [.capability3DS, .capabilityDebit] but the canMakePayments returns false. Then if the capabilities only pass .capability3DS canMakePayments returns true

anyone know why this happens? and how can I fix this question

 static let supportedNetworks: [PKPaymentNetwork] = [
    .masterCard,
    .visa
  ]

class func canMakePayments(with capabilities: PKMerchantCapability) -> Bool {
return  PKPaymentAuthorizationController.canMakePayments(usingNetworks: supportedNetworks, capabilities: capabilities)
  }

 static func capability(from string: String) -> PKMerchantCapability {
    switch string {
    case "credit":
      return [.capability3DS, .capabilityCredit]
    case "debit":
      return [.capability3DS, .capabilityDebit]
    default:
      return .capability3DS
    }
  }