What is required to use Apple Pay?

To utilize Apple Pay, a compatible device that supports the service, such as an iPhone, Apple Watch, iPad, or Mac, is essential, along with an eligible credit or debit card. This combination enables users to make secure, contactless payments in stores and online, providing a convenient payment method that leverages the device's hardware like NFC (Near Field Communication) technology.

The requirement of the eligible card is crucial, as it needs to be linked directly to the device through the Wallet app to facilitate transactions. The functionality specifically focuses on payment processing and security, which is achieved through the integration of the device's security features and the card's compatibility with Apple Pay.

In contrast, the other options do not align with the operational requirements of Apple Pay. For example, while a device supporting Apple Music may also support Apple Pay, it is not a requirement. A subscription to Apple One or a special account with Apple Finance does not play a part in the usage of Apple Pay, reinforcing that the device and eligible card are the primary necessities for engaging with the payment service.