Lowdown: Apple Pay
Karen Boswelladam&eveDDB
Apple Pay is Apple's mobile payment system. Generally speaking, it's available to all users of newer devices that run iOS 8.1 or later in the US and iOS 8.3 in the UK. However, you need to have an iPhone 6 or 6 Plus to use it in-store as these devices have the NFC (near field communication) and the Se (secure element) chip in them. Older devices do not, which is why they don't work in-store.
Apple Pay currently supports credit and debit cards from over 600 banks and credit unions, and is available in...