To use your virtual and/or physical debit card on your iPhone, you must first set up Apple Pay :

- Open the Wallet app and tap the top right corner.

- In some cases, you will be asked to log in with your Apple ID or, depending on your iOS system, to log in to iCloud with your Apple ID.

- Select Debit card or Credit card and click Continue.

- Place your card in the frame in front of the camera to collect your card information, or enter your card information manually, then click Next.

- We'll verify your identity and send you a verification code, so enter it and click Next.

Your Apple Pay is now configured and ready to use.

You can view the video on the Apple Support site for full instructions.