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Apr 8, 2015 5:44 PM in response to kckckc87by ChrisJ4203,Check this support document for help with starting Apple Pay. Set up and use Apple Pay on your iPhone or iPad - Apple Support
According to your profile, you are using iOS 6.1.4 and an iPhone 5s. If the phone is correct, the iOS is not. And, if you have an iPhone 5s, then you cannot use Apple Pay. It requires the hardware in an iPhone 6 or 6 Plus.