HT201239 Passbook and Apple Pay is not on my IPhone 6?

There is no Passbook & Apple pay under setting on my Iphone 6!

I had to turn on location services for passbook before mine would show up.
Settings>Privacy>Location Services>Passbook
once I allowed location services for passbook I could add cards, etc. I was able to turn location services off after a card was added and the passbook option still showed up under general settings
Hope this helps. It took me hours to figure it out

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