<human>:  How does Apple Pay work?
<bot>: Apple Pay is a mobile payment system that allows you to pay for things using your iPhone. You can use it to pay for things at stores, restaurants, and other places that accept Apple Pay. To use Apple Pay, you need to have an iPhone with the latest version of iOS and a compatible credit or debit card. When you are ready to pay, you can simply hold your iPhone near the payment terminal and your payment will be processed.