Using my apple pay
I have no idea how to use the money
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Apple Pay is the way to pay. It replaces your physical cards and cash with a method of payment that is private, easier and safer. Whether you pay in a store, on a website or in an app. This is the new payment.
See the following Apple articles:
Set up Apple Pay
Set up Apple Pay - Apple Support
Countries and regions that support Apple Pay
Countries and regions that support Apple Pay - Apple Support (EG)
Set up Apple Pay in Wallet on iPhone
Set up Apple Pay in Wallet on iPhone – Apple Support (UK)