The good news: Apple Pay will be available to Canadian users by the end of November. The bad news: It will only
be available to those users who use American Express. If you hold a VISA or MasterCard with The Bank of Montreal, Bank of Nova Scotia, Canadian Imperial Bank of Commerce, National Bank of Canada, Royal Bank of Canada or TD Canada Trust then, for the foreseeable future, you're out of luck.
According to The Globe and Mail
negotiations between Apple and Canadian banks have been going so badly that Apple has decided to push ahead with AMEX as its sole launch partner. From what I've been following about tap-and-pay solutions in this country, that sounds about right