Apple Pay on Apple Watch does not require your iPhone to be with you. As long as you’ve added the card into the watch, you can use it without the phone. To activate Apple Pay on Apple Watch, the watch needs to be unlocked with passcode.

Apple Pay can be used in Malaysia already in any retailers that accept PayWave / PayPass. No additional hardware is required by the retailer. No Malaysian banks currently offer Apple Pay so you need an overseas Apple Pay account to use Apple Pay here in Malaysia.

I have been using Apple Pay on my iPhone or Apple Watch here in Malaysia to make contactless payments with no troubles. My Apple Pay account is linked to an Australian bank. Every time I pay with Apple Pay, the retailers are always surprised that it works.

This post has been edited by evofitpt: Jan 5 2018, 11:44 PM

Yes, I have used it in Singapore and Taiwan. I haven’t tried it in the US yet, but it should work.

Yes, it’s linked to an Australian bank account which supports Apple Pay. Not all bank accounts in Australia supports Apple Pay. Of the 4 big banks, only ANZ does. Many smaller banks in Australia like ING Bank supports it too.

It won’t work with any Malaysian bank accounts at the moment because none supports it yet.

Any overseas banks on this list provides Apple Pay to customers - https://support.apple.com/en-au/HT206638

So you can use Apple Pay in Malaysia (or anywhere that accepts PayWave / PayPass) as long as you bank with one of the banks in the list above.

This post has been edited by evofitpt: Jan 8 2018, 10:51 AM