Why is there no Apple Pay option on my iPhone 6 with iOS 8.1 update?

I have iOS 8.1 on my iPhone 6, but there is no option to set up Apple Pay. I have checked the settings, and have checked passport itself. I have search Spotlight on the iPhone, nothing comes up. I live in Toronto, Canada. Is it just because of where I live? Will there be another update for the rest of the major countries?

It's U.S only at the moment.

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