Apple Pay has to because the token can't be used for two transactions, on a credit card, a $1 test transaction goes through jus to make sure the card is valid, Apple Pay must do it all up front as the $1 charge would be considered the transaction and the token no longer valid. Also, I doubt tokens remain open fr two weeks anyway, so even if they did hold onto the token, it would be dead by the time they try and charge it, also, I'm assuming when you make a new Apple Pay purchase, any previous unused tokens become invalid. So that's why Apple Pay must charge in full up front.