Apple pay CANNOT be set up?

I am on IOS 8.02, iphone 6 and passbook keeps just asking me to scan a barcod. There is no plus icon to add a card. There is no passbook in settings, and don't ask me if my region is set to USA as I live in USA, I am in USA and never have changed that setting.
I Reset the phone, reset all settings, nothing works.
HELP PLEASE

Hi ...
You need to update to Apple PayiOS 8.1 prior to setting up Apple Pay. To do so, tap Settings > General > Software Update
Apple Pay setup step-by-step: It’s unsurprisingly easy and fast — Tech News and Analysis

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