Something I am noticing around my city. I will go in a store and ask the cashier if they accept Apple Pay. Most cashiers have no clue what I am asking about or even know about. But because the majority of the terminals had to be switch out to accept the chip credit cards, I'm finding more stores are accepting Apple Pay now - mind blowing to the cashiers when I do use my phone. So if your not using it, you might want to try it because I'm finding more and more stores, regardless of how big or small, are using it now.