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The laughable issue for me is the local ACE that I go to does not have a contactless process that works (I am guessing that the owner does not see the need to fix or it is on purpose has disabled the contactless process) try Apple Pay rejected pull out the same card and using the CHIP processes. Aw well....
 
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. . . the local ACE that I go to does not have a contactless process that works . . .
The Ace Hardware website lists the participating stores:


In my case I was at our nearby Ace Hardware yesterday and used Apple Pay without difficulty. I did notice that there was no signage indicating that they would accept Apple Pay, but when I asked at the cashier I was told that it would work. And it did.
 
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