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The setup flow is hit or miss.

With some banks, it was seamless to setup. With another bank, it wasn't clear how to finish setting up Apple Pay. I don't recall if I called them or went through their app to actually set it up. It was definitely confusing, and the Apple Pay onboarding screens didn't provide useful instructions.

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I do not envy the Apply Pay team's challenge to have onboarding systems that span the vast disarray of bank systems (because I know some of my banks and how technically behind they can sometimes be, and I know mine aren't the worst offenders). It is probably a small miracle of engineering and patience that Apple Pay onboarding works at all. (And obviously it is complex enough scammers are using it as an excuse to scam, given the article contents here.)

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