Now that iOS 8.1 is available, it’s time to spend more money using Apple Pay. After updating my iPhone 6 software, I went into Passbook to set up Apple Pay, just as I did with Google Wallet back in 2011. While the overall setup is similar, the Apple Pay process is slight bit faster, mainly because of Apple’s relationships with banks and credit card issuers.

I set up two cards in [company]Apple[/company] Pay and the first was certainly the easiest. That’s because Apple Pay asks if you want add the credit card Apple has on file for iTunes purchases. I said yes to this option and the app asked for my American Express card security code. Apple has all the other information so there’s no need to enter it; the security code is simply for verification.

After entering it, Apple Pay quickly said the card was ready to use. Tapping…