I just had an apple watch with an iphone 5 but I cannot find apple pay on the passbook so I just create an iCloud account but even with it, apple pay isn't working and I follow all the apple instructions but it doesn't work so may i go in the iphone settings change my iCloud account or...
For the Apple Pay to work, you have to first go to Passbook -> Add Credit or Debit card -> Set that up, but your bank may not support your card yet. After that, Click on the Apple Watch App, (Make sure you have the latest software) -> Pair your watch -> Make sure you have wrist detection on and a Passcode for your watch. This may help Set up and use Apple Pay with Apple Watch - Apple Support
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