Apple Pay is now available to iPhone 6/6 Plus owners running iOS 8.1. Once you have the two basic requirements out of the way, it’s then on to set-up, which actually isn’t that obvious. Instead, you have to go into the Passbook app, and then tap the “+” in the upper right corner to add a new card. From there, you have a big button to set up Apple Pay with Credit and Debit Cards. You’re then given two choices: to either use the card on file with iTunes, or use a different credit, or debit card.
The easiest route to set up is using your card on file with iTunes, as you simply tap that button, enter your security code, and you’re up and running. The other route is relatively painless as well, as entering a new card comes down to pointing your iPhone camera at your card. The camera identifies the card number, full name, and expiration date to let you again just enter the security code to be up, and running. It takes a few seconds to verify the card, and some cards need confirmation by phone. Once verification is complete, your credit/debit card is sitting in Passbook just waiting to be used at select retailers. You can add as many cards as you want to give you choice when paying.
As an added bonus, if you go to Settings > Passbook & Apple Pay, you can see all of the cards you have added to Apple Pay along with billing details. You can tap on any card to enable notifications as well as see recent transactions. The same transaction view can be accessed from Passbook, by tapping on the “i” button below a card. Some cards show all recent transactions, while others just show the ones generated by Apple Pay. The same panel also includes contact information for the bank as well as a link at the top to either open, or download the app for the given card.
Once set-up, you will then only have to use TouchID to confirm purchases with the credit/debit cards you have added.