So, let me get this straight: Apple, the most valuable publicly traded company in the world, who stands to lose billions with even the slightest hiccup, decides not to properly test Apple Pay before releasing it into the wild? Ok, then.
ApplePay is probably not at fault here, Bank of America is....
However, you seem to imply that softeare with ANY bugs is not properly tested. Hmmmmm.... Name ONE properly tested application then.