What you need to do to start using Apple Pay
You will not need to install a separate Apple Pay app, but you will need to update your iPhone or iPad to the latest version of iOS 8.( iOS 8.3 or later). Installing will activate the Apple Pay feature in Passbook in your device.
When you finally update to iOS 9, Passbook will be changing it’s name to Wallet.
Adding your credit or debit cards?
If your bank is offering Apple Pay, and if you have your credit or debit cards already associated to your Apple ID for making iTunes and App Store purchases, you can choose to keep using the same card for use with Apple Pay. If you have other cards you want to use that aren’t already associated with your Apple ID, then you can add them.
So what you need to do is to launch Passbook (or if you have iOS 9, Wallet) and tap Add Credit or Debit Card.
You will then be asked to add another card to use with Apple Pay.
Tap “Add Another Card”, then follow the entry fields on the next screen.
If the card you’re setting up is already associated with iTunes this process will simply require you to enter the security code, but a new card will need a little more work.
So If you don’t want to type in all the details then you can speed things up by taking a picture of your card with your iPhone, adding all the details automatically. You will still need to add the security number on the back manually. I feel this only works with new or well kept cards as it manged to miss read some of the info from one of my older cards!
OK, moving on, tap next.
For any card that you will want to use with Apple Pay your iPhone will still need to verify your cards. This process varies depending on your bank. Santander, the bank I used for our test setup, offers you verification via text or phone call. I chose text.
The verification stage doesn’t necessarily have to happen at the same time when you added the card. You can quite easily complete the process later to verify that card you added earlier.
Just go to Settings > Passbook & Apple Pay, or open Passbook again.
Finally tap Next after verification is complete, and you’re ready to start using Apple Pay.