Apple Pay not showing on my Canadian iPhone 6 - I live in the U.S

Hey folks,
I am a U.S citizen currently working here in Canada for a few months. I got my iPhone 6 here in Canada but I use my U.S apple ID and ICloud ID. Phone still doesn't show the feature after I upgraded to the iOS 8.1.
Does it mean I need to have an US iPhone or be in the US to get the US upgrade? or both lol
please let me know and how to fix it.
Cheers.

Go to Settings / General / Language & Region
Change the value in Region from Canada to United States
Then go to the Passbook app and drag the cards down until you see the + symbol
Click the + symbol and the you should see the setup screen.
This will only allow you setup supported cards.
So if you US card is supported see if it works.

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