how do I start using apple pay on my iPhone?

Hi

Follow the instructions here:

Set up Apple Pay on your iPhone, iPad, or Apple Watch - Apple Support

See this support document for instructions. Set up Apple Pay on your iPhone, iPad, or Apple Watch - Apple Support

Using Apple Pay in stores and within apps - Apple Support

Read here:

Set up Apple Pay on your iPhone, iPad, or Apple Watch - Apple Support

Then here:

Using Apple Pay in stores and within apps - Apple Support

I suggest you read this article:

Set up Apple Pay on your iPhone, iPad, or Apple Watch - Apple Support

As an aside, it is really easy to use once a credit card is in your wallet.

Barry

P.S. I certainly had the post moved to the right place....four posts within one minute 😁

Note that Apple Pay is available within selected countries:

http://www.apple.com/ios/feature-availability/#apple-pay

Unless your iPhone region is set to one of those regions, you will not see the option to add cards to Apple Pay.

Go to: Settings > General > Language & Region > Region.

It is also only possible to add supported payment cards from participating banks or stores within those countries.

More information:

Apple Pay participating banks in Europe - Apple Support

Apple Pay participating banks in Canada and the United States - Apple Support

Apple Pay participating banks in Asia-Pacific - Apple Support

Set up Apple Pay on your iPhone, iPad, or Apple Watch - Apple Support