So I'm confused as to where and what exactly Apple Pay actually is. I thought Apple Pay was a service on top of contact less, and that retailers needed to add extra support to be Apple Pay enabled. But now I'm reading that Apple Pay, or specifically an Apple device can be used anywhere contact less is available? Is this right? In which case, what exactly does Apple Pay supported actually mean when Apple tout the list of retailers? Not only that, but the standard £20 contact less payment limit still applies? In short, Apple Pay doesn't make much sense to me atm. Can some explain?