HT201469 If the iPhone 5s has touch ID, then why can't it use Apple Pay to make in-app purchases?

They came out with a new iPad mini, and the only difference with the old mini and the new mini is that it has touch ID so that you can make in-app purchases. That's just about the only difference.
Ok, well, the iPhone 5s has touch ID already. Why can't it be used to make in-app purchases?

Yes, actually I did. There's no Apple Pay option.
But there's more to it than that. If you look at the Apple Pay section of Apple's website, it specifically says that Apple pay will only work with the iPhone 6, iPhone 6 Plus, and Apple Watch for making in-store purchases (you know, actual stores), and with iPad Air 2 and iPad mini 3 for making in-app purchases.
So Apple's website specifically says that Apple Pay will not work for iPhone 5s for making in-app purchases.
My question is, why? What technology is it lacking?
I understand that iPhone 5s can't do in-store purchases since it doesn't have NFC. But in-app? Why not? It has touch ID.

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