Apple requires cooperation of banks and card issuers for the service to work, and unfortunately for them Canada’s financial institutions have not been eager to jump on board. That’s why at this time only American Express cardholders issued by Amex Bank of Canada can activate Apple Pay. There is no word on whether it will expand to others.
Apple Pay is compatible with near-field communication while using the iPhone 6 and 6S models and the Apple Watch. It can also be used to make in-app purchases.