Too many comments to swift through. So if covered .. sorry.
HEB in Texas is still HELL bent not taking Apple Pay, they are probably one of the fastest growing chains in Texas. They are killing other grocery retailers, like Randalls and Tom Thumb. This is a win for Krogers, they can't roll it out fast enough to maybe capture some market that is looking for grocery vendor that takes Apple Pay.
The apps, like at Sam's club, great, why not, rather scan as I go along, and Apple Pay from the app and walk out the door. As more and more states are banning bags, or charging for bags like most of Europe does, why not scan, and bag in your own recycle bags as you shop, when done head to your GAS powered car.
Walmart may never come around, but Home Depot and Lowes, they will, when you have smaller home improvements like ACE Hardware taking Apple Pay, they will have to do something!
Anyhow, congrats on a win for Apple Pay, even if it is a test bed, it will expand in time with Krogers. A win for consumers too, a loss for thieves! Contactless payment is the way to go!