Neiman Marcus and Capital One have created a mobile wallet for the luxury retailer's credit card customers who use Apple iPhones. Customers can make in-store purchases without carrying a plastic credit card. NM Mobile Wallet will work with Neiman Marcus, Bergdorf Goodman and customer cards from Visa, MasterCard, American Express and Discover. Neiman Marcus chose its own route vs. accepting Apple Pay. The NM Mobile wallet app actually works on more versions of the iPhone than Apple Pay, which only works on its newest iPhone 6. NM Mobile Wallet requires that phones operate with at least version iOS 7.