Why is Wallet Unavailable on iPad?
Like so many others, I shop online using my iPad. Pretty big hassle to have to dig a plastic credit card out of my physical wallet when it's time to check out.
iPad, iOS 12
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You can add a credit or debit card in Settings>Wallet and Apple Pay and not have to dig out your card to make payments. I never have to get my physical debit card out on my iPad, iPhone or Mac.
Using Apple Pay in stores, within apps, and on the web - Apple Support