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Helpful answers
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Dec 31, 2014 8:39 PM in response to 10Gary10by sberman,Are you in the U.S.? If not, Apple Pay is not yet available in your area.
See:
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Dec 31, 2014 9:59 PM in response to 10Gary10by spenjere579,The credit and debit card area in passbook will not be available if you are out of area which sadly is anywhere outside of the USA. You also need to be using an iPad Air 2 or and iPad Mini 2 to use this feature. If you fit in all of these categories try to view the "Passbook & Apple Pay" section in settings. or make sure your region is set to USA in settings, to check that go to Settings > General > Language & Region > Region, and then select USA. If none of the above helped, please contact Apple for further assistance.