In reply to Philip Cohen.

Philip, that does sound like easy setup. I didn't at all find Apple Pay's setup burdensome but that is certainly simpler.

In the US, I have been a big proponent of Chip and Pin and have two credit cards and one Travelex Debit card which are true Chip and Pin, not the Chip and Signature abomination.

Alas, I have found lots of POS terminals that have the Chip and Pin slot but none! that are turned on. Their payment providers are just not offering it yet. And if ignorance about Apple Pay is out there, it is even worse in the US for Chip and Pin.

I will gladly use and have used my Chip and Pin Cards in Europe and Turkey and will use them here when the merchants turn on the capability.

Funny when hunting for Apple Pay accepting merchants the first thing I look for on the POS terminal is a slot for a Chip and Pin.

I am very jealous of the rest of the world's use of Chip and Pin. The US has brought a lot more attention from cyber criminals by our non-adoption of Chip and Pin to this point.