I went to the AT&T store today to sign up for the unlimited plan and DirecTV and when we got to the point that I needed to pay I told her I wanted to use Apple Pay. I held my phone over the reader and it was accepted. She then says "what are the 3 digits on the back of the card?". What? Why bother with Apple Pay if I need my card on me? When I walked in I thought "oh man I don't have my card, oh well they accept Apple Pay, good to go". Went through the whole process of setting up directv and got to the end and didn't have a way to pay....oh well. It's probably for the best, I don't really need directv. I mentioned to her, "why bother with Apple Pay if you want info off my card". She just said, "it's just the way our system works. Oh well.