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What will happen to my cards in the Wallet when Apple upgrades iOS?

What will happen to my cards in the Wallet when Apple upgrades iOS?

When Apple upgrades iOS, you will not need to do anything to your cards in Apple Pay.

If, however, you sign out of iCloud all of your cards will be deleted from the Wallet and you will need to set them up again.

How do I set up Apple Pay on my iPhone or iPad?