Apple Pay will have to be scrutinized to the core, this is in light to every security issue that have been brought forth us over the past couple of years.
1. NSA PRISM
2. Recent iCloud Breach.
3. It was not more than 60days ago that a researcher pointed out a Backdoor among all Apple Devices (some claim it was a part of FCC ruling).

Keep an open mind about these, There will always be people who know more than i do.
I for one, would think twice before adding my CC to Apple Pay, at least for a couple of months, to get most of the issues sorted out.

The above issues is a section of reasons why the BTC wallets didnt take off that much...get from this what you will.