Q: Apple Pay option missing in Watch App

Yes, sure am. I don't live here, but run all my devices as though I do. No problem with Applepay on phone, or anything else. Have US credit/debit cards loaded, but just not there on watch, or watch app. I'm sure its something to do with being an undesirable alien, but can't figure out how they know....

No - not yet. That's my next give-it-a-go. Was trying to avoid, but I'll try it later tonight. Thanks!

Ok - it was interesting. I un-paired the watch, and then decided to try to re-pair using the backup copy taken at un-pairing.  I didn't expect this to make any difference, figuring it would just push back the problem. But no - it did work! I can now see the apple pay option in the watch app. I cannot explain it. But I'm OK with that...there's lots of things I can't explain.

Thanks folks for your suggestions and interest.