Almost two years since it's initial launch, I'm disappointed how few places that I frequent actually accept Apple Pay. I know retailers are coming on board every day, but it's yet to reach anything close to a critical mass where I could leave my wallet at home: Grocery shopping - Giant: No. Harris Teeter: Yes. Starbucks: No. All sit-down restaurants: No. (Not sure how they would do this. Bring a device to your table?). Gas stations: No. Hallmark: No. Subway: Yes. Home Depot: No (after initially supporting it!). Deli near my work: No. Not complaining, just an observation. If it's only accepted at ~10% or less of the places that you spend your money, it's hardly worth remembering to use it.