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Helpful answers
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Dec 1, 2015 5:37 AM in response to f.br18by Jonathan UK,Apple Pay is currently available in certain countries. If you are located in one of those countries, check the following:
Your region is set to the relevant country: 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 issuer.
Set up and use Apple Pay on your iPhone or iPad - Apple Support
Apple Pay participating banks and store cards - Apple Support
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Dec 1, 2015 5:38 AM in response to f.br18by Jonathan UK,Having changed any settings, it may help to restart your iPhone: Press and hold the Sleep/Wake button until the red slider appears; Drag the slider to turn your iPhone off; When it has finished turning off, press and hold the Sleep/Wake button again until you see the Apple logo.