I know that Apple pay testing we use Apple pay stubs in iOS 8, but please let me know how to use Apple pay without ApplePayStubs in iOS 9 in simulator.
Thanks in advance
Yes. You can test apple pay using iOS 9 simulator. So you don't need to add any testing sheet instead PKPaymentAuthorizationViewController. It's working on iOS 9 simulator. Make sure your app run on iPhone 6, iPhone 6 plus or latest version of simulator.