Passbook and Apple Pay is not on my IPhone 6?

I had to turn on location services for passbook before mine would show up.

Settings>Privacy>Location Services>Passbook

once I allowed location services for passbook I could add cards, etc. I was able to turn location services off after a card was added and the passbook option still showed up under general settings

Hope this helps. It took me hours to figure it out

Might your iPhone be restricted? See Settings > General > Restrictions

Apple Pay is currently only available in the U.S.