What I am looking it is two devices running 8.1. iPhone 5S with clean install from DFU mode of 8.1 and iPad Air 2 delivered with 8.1. iPhone 5S: in settings area, in the iCloud and iTunes & App Store 'paragraph' there is no entry for Passbook and Apple Pay. Not even there. On the two submenus in that section. iPad Air 2: in settings are, iCloud, iTunes & App Store, and Passbook & Apple Pay are in the same paragraph section. When I try to add my CC on file with iTunes (AmEx Blue), I get an error message that the card can't be added and that I have to contact the card issuer. What is going here with all my settings...what is normal or not normal?