According to Argus Leader, Apple has just introduced their Apple Pay program to about 10 million owners of the iPhone 6 and iPhone 6 Plus.

Using a smartphone to pay for your purchases sounds too good to be true, but for the owners of the latest Apple devices this is now a reality.

The program likewise allows owners of the Apple iPad Air 2 and Apple iPad mini 3 to use the program for in-app purchases. The new smartphones are needed to pay for retail purchases.

Right now, Apple has set up the payment system in over 220,000 retail locations in the United States. Over 500 banks and large payment networks, such as American Express, MasterCard and Visa, have been tapped to join the network.

Some of the retailers that will accept Apple Pay are Panera Bread, Walgreens, Chevron gas stations, Macy's and McDonald's. They are also working with Lyft, Uber, Groupon and Airbnb.

To set it up, new Apple gadget users will have to update to iOS 8.1. On the iPhone or iPad, open Passbook and add your iTunes debit or your credit card information by scanning your card with your Apple device camera. Test if the program works by visiting a member-retailer.

If you are ready to pay, press the TouchID fingerprint sensor while pointing the device at the Apple Pay reader. Your fingerprint is all that is needed if you are using your iPad for an in-app purchase at home.

There are a few glitches, though. Some claimed that they were charged twice for their purchase. Bank of America said they have a problem at their end and they are already getting a fix. Some users complained that they were still required to enter their PIN number while some users said that some establishments failed to train their employees on how to use the program.

There were also some incidents of cashiers overriding the system in order to refund the cash for returned purchases.