You do not need to download any additional app to use Apple Pay. The latest version of iOS and watchOS is required to set up cards in Apple Pay. Set up Apple Pay link: https://support.apple.com/en-au/HT204506
How do I add a card to Apple Pay?
Adding a card to Apple Pay is different depending upon device:
iPhone
- Open the Wallet app
- Tap the + in the upper right corner, follow the prompts
- Add the card details by either:
- Entering the card’s security code to add the credit or debit card you use with iTunes
- Using the camera to capture the card information
- Typing the card details in manually
Apple Watch
- Open the Apple Watch app on your iPhone
- Tap Wallet & Apple Pay and then Add a new Credit or Debit Card, follow the prompts
- Add the card details by either:
- Entering the card’s security code to add the credit or debit card you use with iTunes
- Using the camera to capture the card information
- Typing the card details in manually
iPad
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- Go to Settings
- Tap Wallet & Apple Pay and then Add Credit or Debit Card, follow the prompts
- Add the card details by either:
- Entering the card’s security code to add the credit or debit card you use with iTunes
- Using the camera to capture the card information
- Typing the card details in manually
Find out more here.