I live in a small town, however, Apple Pay is beginning to emerge finally! What that means is that I had to learn how to pay with my Apple watch. I thought that since my watch mirrors my iPhone - that the credit cards would appear, but that was not so. I had to select Apple Watch Wallet & Apple Pay on my iPhone and add each credit card. I also had to enter the security code for each card when adding it. To use the watch to pay, all you have to do is double-click the side button of the watch and then select the card you want to use. Just like Wallet on the phone, you tap or swipe the card. At any rate, I am ready to use the Apple Watch to pay the next time there is an opportunity.
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