Setup: Fairly simple. Successfully added my Capital One card manually, a painless process (if it works ). Usage: 1st Attempt: Tried it at a local Staples (says it's supported). After standing there for 10 seconds looking like an idiot, it didn't work. Pulled out my wallet and paid with my credit card. 2nd Attempt: Successfully paid at Panera Bread Company. Transaction was seamless, fast, and easy. 3rd Attempt: Unsuccessful at Target. Nothing popped up when I went to pay, so I quickly took out my credit card. Verdict: Not ready for prime-time. When the technology works, it's great. For now, it's a pain to "question" whether or not the technology will work. I'd rather save myself the hassle of taking out my phone for nothing. As merchants get their acts together, I'm sure I will start using Apple Pay more and more. Until then, it's more trouble than its worth. I will, however, continue to test the technology for the next few weeks to see if my luck improves.