When will Apple Pay be available?

According to the media, Apple Pay went "live" today, yet it is my understanding that one needs iOS 8.1 to get apple pay, and software update on my iPhone 6 says my software is up to date with iOS 8.0.2.  When will the new iOS be available for download?

KSSinFL wrote:
When Apple widely publicizes that Apple Pay is being launched TODAY and that the update will be available TODAY, it just seems logical to me that it would've been available at 12:01am EST - or at the latest 12:01am PST.  If they are waiting to release it just to "create a buzz" - that would really annoy me.  There are many of us loyal Apple customers - that look forward to the latest and greatest - and having us "wait" just for the sake of it would not be "very nice' in my opinion.  Just venting
Um, no.  They're waiting to release it until a reasonable hour so that if customers have questions about how to download it or experience issues with downloading it, then the Apple support advisors will be available and the Apple Stores will be open, and the engineers that need to be on hand to manage any server issues are on-site.
In other words, they want to make sure that real, live human beings are on hand to assist as needed.  It's stupid to expect them to release it in the middle of the night when there wouldn't be any of those support people (or very, very few) available.

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