Wa wa wa. yeah yeah. I love Apple products to bits, but IMO Apple Pay has been a flop thus far due to Apple being too greedy. In Australia Apple say they've rolled out Apple Pay, but they haven't really. Its available on American Express only. NOT all that popular in Australia, American Express. We're just about to see the 3rd release of any Apple phone with NFC in it, which has been 100% useless if you live in Australia. Bite the bullet Apple and supply customers a service, instead of trying to squeeze every last cent out of each country. Its not like your broke and can't afford it. Think of the advertisement it would be with people going around using Apple Pay, before any other phones do the same in a country like Australia!!! No other phone payment system has taken off in Australia yet......