i was in downtown Davis California. Many small shops and restaurants. Even a Starbucks. How did I do? Zero.zilch. Nada None of the businesses had nfc readers and many were perplexed on what apple pay was. Even starbucks doesn't have the readers. Who bailed me out? PayPal! I refilled my starbucks card via PayPal and bought lunch and coffee. After a 60 mile bike ride I know better. Lesson learned apple pay isn't there yet.