What do I need to use Apple Pay? Updated October 14, 2019 22:53 Just 3 things to get started. A Xinja account - this one is easy :-) A compatible device (learn more here: https://support.apple.com/en-au/HT208531) and an Apple Id signed into iCloud An up to date mobile number linked to your Xinja account Related articles How do I add a card to Wallet to use with Apple Pay? Can I continue to use my plastic card if I register for Google Pay? What is Apple Pay? What if my lose my device? How do I open a Xinja bank account?