I have written NFC software on bank card terminals, so I have a good understanding of how it works. I put my Bank of America card in my iPhone 6+. I live in Singapore. So far Apple Pay is not approved here. I have it ready to use when I visit the USA next week. I used a local card to pay for use of the train. I put the card in my iPhone 6+ case. When I went to the train station, my iPhone 6+ saw the NFC field, and asked for my finger print. Previously I thought I had to open up the app. I had no idea it was fully automatic. Needless to say it did not work, so I had to use my local bankcard. Next week I get to try it in a store.