Tap to Pay on iPhone isn’t ready for you to use today but the supporting API has arrived today in the iOS 15.4 beta 2, potentially enabling the feature on iPhone XS and later models. There are older iPhones with NFC, but at least for now, the iPhone 6, 7, and 8 models are not on the compatible list. Apple says that just like Apple Pay, it does not know what is being purchased or who is buying it.
