I have an iPhone 6 and an Apple Watch and have been using Apple Pay for a while. At the retailers officially accepting it, it's awesome; I've had almost no problems using it at those places. I've also ordered stuff online through the phone with it and it works as you'd expect. At most of the places that aren't official retailers but have NFC readers, it works too. And that's the problem, really--there's still simply not enough places that accept it. On one hand, based on MasterCard's site, the number of acceptance locations has gone up over time. However, some places have gone backwards and disabled it without any specific reason (Home Depot comes to mind). Even at the places that supposedly accept it, most clerks either have no idea how to turn on the NFC reader or have the terminal somewhere that's inaccessible to customers. I don't consider that "supporting" Apple Pay or any form of contactless payment at all. I don't think the October deadline that has been mentioned multiple times in the past is going to be a panacea either. As we've seen, Target enabled chip but not NFC even though they're supposedly no longer under MCX's exclusive contract. The screens at my local Vons (aka Safeway) only say "insert or swipe" with no mention of tapping, even though their new readers supposedly have the hardware support for it. I would not be surprised if a whole lot of retailers suddenly start accepting chip but not NFC in a few months. It's simple to dismiss all of this as growing pains, but I honestly don't think most retailers in the US want to support anything that makes paying by card easier. Why else would stuff like CurrentC get even a tenth of the attention that it has thus far? Or why a lot of merchant providers seemingly aren't training their business clients on their new terminals? And why even some places that support NFC make using it way more inconvenient than it should be. I don't know what Apple should have done in hindsight, or if they even could have done anything differently. Would they have just skipped the US and come back to it at some later date, if at all? Should they have put their own cash into upgrading retailers in advance of the initial release? Perhaps buy LoopPay before Samsung got a chance and use their MST technology to work around the retailers stonewalling? Hopefully I'm wrong and October does make the situation a lot better, but IMO it's not looking good thus far.