In reply to Jim McPherson.

This article is about merchants signing up with apple pay not end users apple pay don't provide merchant systems no merchant can accept apple pay as a payment system it simply dosnt exist, it piggy backs off of the credit card systems all the merchant needs to support is NFC credit card payments they do not do not do not need to support apple pay in any way to receive payments from apple pay users

Apple pay is a marketing term gimmick