How To: Accept Apple Ts and Cs before using Tap To Pay

Troubleshooting tip:

If after accepting Apple Ts & Cs you still cannot connect to Tap To Pay, it is possible that your phone's operating system is out of date.

To update your device, go to your iPhone settings. You will usually have a notification in your settings home screen. Or, go to: General > Software update
Pro tip - your phone will work better overall when it's up to date! :)