As I said before, the whole mobile payment is mess. You get Apple Pay which only works with iPhone, you get Samsung Pay which only works with Samsung phones, you get Android pay which works with NFC enabled Android phones
What you miss here (or just didn't make clear) is that all of these require a single NFC standard in payment terminals. I have an iPhone and an Apple Watch, so my specific implementation on my end is Apple Pay. If a friend with a recent Samsung Android phone wants to pay with their phone, their implementation on their phone is Google Pay or Samsung Pay. However, we both can use the same terminal to pay because Apple and Google/Samsung are both adhering to the same NFC standard, so the store only needs to install a single type of contactless hardware.
This is the proper way to implement mobile payment because it uses tokenization, eliminating swipe fraud since the tokens are useless if stolen. It also works with both Apple and Android hardware, so there is no issue from the Apple/Android OS split. And it will also work with the (increasingly rare, alas) contactless physical cards.
Not this silly QR nonsense which requires separate setup for every store. With NFC, no setup is necessary once a card is added to the NFC app (Wallet and whatever Google/Samsung call their setup apps) and it will work in any store that accepts NFC.
When I go to Walmart and Target, I just use an EMV card, but I would shop at either more often if they implemented true NFC because it's faster (the terminal does take longer to process an EMV card, although I'm not bothered by that as I know it's safer) and because I don't have to dig out a phone or find my wallet in my purse if I pay with my watch. As long as neither implement NFC, I don't bother to go there much.
As a random side note, the local Micro Center is now accepting NFC - they have Apple Pay stickers all over, but Android users get it too thanks to the aforementioned standardization.