Apple might be focusing its efforts with Apple Pay on the United States at the moment, but reports compiled by MacRumors demonstrate that you can use the service overseas if you have a U.S.-based credit card attached to your Apple Pay account. This isn't just true for Americans; it also allows some iPhone 6 and iPhone 6 Plus owners from other countries to join in on the fun in the right circumstances.
One user on the Whirlpool forums going by the name of deeemporium reported success in using it in Australia with a Citi credit card, for instance, and blogger Beau Giles helped relay the news to the Australian masses. "Obviously I had to fake my location and use my US-based credit card," said deeemporium in the forum post. Jimmy Grewal, writing from the United Arab Emirates, reported that the service also works the same way in Dubai and environs.
Faking the location is key, unfortunately, but Giles notes that it isn't difficult. Just head over to Settings on your phone (or, soon, your iPad Air 2 or iPad mini 3), press General, press Language and Region, and set your phone to the United States. Once you do so, Passbook will unlock and allow you to set up Apple Pay.
Keep in mind that there's a price to pay for getting to use such a cool feature ahead of time — if you're a native of another country, you'll likely have to pay conversion fees every time you Apple's mobile payment service. The service also only works with cards issued by banks and financial institutions who have agreed to work with Apple with the service. At the very least, for Americans, it's good to know that Apple Pay's usefulness doesn't necessarily have to end at our shores.