The first beta of iOS 8.1 seeded on Monday has not yet revealed a significant number of changes visible to regular users, but developer Hamza Sood has managed to uncover several interesting hidden settings and strings from the new version. First, Sood shares a screenshot of a hidden Settings pane for Apple Pay inside. The pane will allow users to manage their entered credit and debit cards linked to Apple Pay, as well as define their default card, billing and shipping address, email, and phone. The Settings screen for Apple Pay also links to a privacy disclosure outlining how the user’s card and device information and location may be sent back to Apple and perhaps passed on to the card issuer to determine eligibility and detect possible fraud. Apple Pay will allow users to easily authenticate payments to their preferred credit and debit cards, using NFC for point-of-sale transactions with the iPhone 6 and 6 Plus and Apple Watch.