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Helpful answers
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Oct 25, 2015 10:18 AM in response to dorothy_zzzby Jonathan UK,Hi Dorothy
Apple Pay is currently available in the US and UK. If you are located in one of those countries, check the following:
Your region is set to the US or UK: Settings > General > Language & Region > Region - set to your country.
You have Touch ID or a passcode set up: Settings > General > Touch ID & Passcode.
You are signed in to iCloud with your Apple ID: Settings > iCloud.
You will also need a supported card from a participating UK or US issuer.
Set up and use Apple Pay on your iPhone or iPad - Apple Support
Apple Pay participating banks - Apple Support
If the option still does not appear after making any changes, try restarting (or, if that doesn't work, force restarting) your iPhone: