iOS 8.1 on iPhone 6 Plus can't find Apple Pay Option

Check your Region (should be United States) in Settings->General->Language & Region.

My Region was already set as the United Staes and Apple Pay will still not allow me to use the card I have on file with iTunes.

I have been having the same issues. I changed my region to a different region tun went my to united states and now I can use it. Weird I know but it worked

TThanks for the suggestion, but no joy. I even rebooted several times. Still can't use Apple Pay.

Steve im having the same issue with my iPhone 6. There's no place for me to add cards and it doesn't mention Apple pay in passbook either. This is getting very frustrating.

My settings show Region US but still no Apple PAy?? Any other ideas?

I have the same problem on Iphone 6 - Software is saying it is current to IOS 8.1 - no Apple pay anywhere...

Anybody found a solution?

HI to everybody,

Following what skymon2 said, that's the solution I've found. I live in Puerto Rico, and although it's part of US, unless you have the region set specifically to United States and then reset the iPhone, it won't take it. Hope this helps.

I had the same problem and - since I was living in the US, had an ATT SIM card and everything else seemed to be right - just had the wrong region/language setting. Still, it took me quite some time to "guess" that this might be an issue.

Why doesn't the application programmer at least give a hint like "This feature is only available if ..." or an error message. No information is really bad - how does Apple expect a novice to set this thing up? Go to the Genius bar?

Hello, Upgrade to the new IOS8.1 software.

LOL, of course I have 8.1 installed. I changed the region (several times) and rebooted. Still no joy. I wonder if it's because I have a credit card linked to my iTunes account that is using a competing system. It's a Citi Bank Card through AT&T. Citi Bank Cards play well with Apple Pay, but since AT&T is the issuer and they are using a competing system, my card can't be authorized. The card is verified and then I get a message that the card can't be used and I should contact the card issuer. I though I'd get around that by using my iTunes account, but that is proving to be impossible. Why can't the fimamcial institutions just get along?

I Had the same problem. Purchased my 6plus yesterday in the US and couldnt find apple pay. Region was set to Albania

Changing the region to the US solved it for me ; )

I can't figure it out either. Region is set to United States. I set it to United Kingdom, reset it, changed back to US, reset it and still nothing. Have the latest version installed. Nothing. I have no clue what's up with Apple Pay. I would like to use it, but just can't make it work right. If anyone has any ideas, I'd love to hear them - if they don't involved changing the location or updating the software since both have been done without success.

Hi Robert, after changing your region, close the settings app completely by tapping the home button twice and swiping up on settings, then open settings again and scroll down, passbook and apple pay should show up, hope this helps!