Apple Pay Without an Apple Watch
If you own an iPhone 5s or iPhone 5 and want to use Apple's mobile payment solution, you need to own an Apple Watch. The iPhone SE can take full advantage of the popular service.
The iPhone SE can also take advantage of an Apple Pay upgrade that arrived inside of the company's iOS 11.2 update.
The feature lets iPhone users send and receive cash inside the Messages app on iPhones. It's Apple's answer to Venmo and it's extremely handy.
Apple Pay Cash is available for US-based customers only and it requires a iOS device on 11.2 or above with two-factor authentication set up via Apple ID.