You need to set up Apple Pay in the Wallet app.
I use Apple Pay all the time in restaurants and pubs etc.
I rarely need my phisical credit card these days.
I simply double tap home from the lock screen and wallet/apple pay is
ready and I point the phone to the bank terminal (the device where you
insert creadit card and enter pind to pay).
A beep is played and VO lets me know that transaction complete.
The bank terminal has to be NFC-enabled to use Apple Pay.
Apple Pay is brilliant!

On Mon, 5 Aug 2019 at 21:33, dani pagador <missni...@gmail.com> wrote:
>
> Morning, All.
> Subject line says it all. I know I have a credit card number in my
> phone associated with my Apple ID for paying for music and app
> purchases.,I don't  know how to use Apple Pay, though I see it as an
> option in the Messages app. Is the credit card also associated with
> Apple Pay?  Can someone give me a run-down on how the service works?
>
> Thanks,
> Dani
>
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