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Apple Pay launches: Here's how to use it

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SAN FRANCISCO - For years, companies have been talking about replacing credit cards with smart phones to pay for goods. But consumers have been slow to the game.

That could change today, when Apple introduced the Apple program pays an audience of more than 10 million iPhone owners 6 and 6 Plus.

Pay Apple will also work with the new iPads Company - Mini air 2 and 3, which will be released on Friday - but only for in-app purchases. To pay in stores, you will need new phones.

Left out is the network of more than 500 million iPhones sold since 2007, but Apple does not care - they want to sell new phones and tablets, and expects its new mobile payments system will get consumers excited to update.

The iconic company has more than 220,000 outlets that accept payment in the new iPhones. Major payment networks Visa, MasterCard and American Express and more than 500 banks are on board. Retailers include biggies like McDonald, Macy, Chevron gas stations, Walgreens and Panera Bread.

Apple touts …

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