I certainly see no reason to root for ApplePay to succeed, but it seems a bit premature to label this as a “massive flaw”. Are there really a high percentage of failures or is it rare and happened to hit a reporter? If the problems are limited to one issuer and they are the ones making a fix then it sounds like it’s not necessarily an inherent flaw with ApplePay but possibly a bad implementation by one partner. I hope this is not an indication that PYMNTS is pushing an agenda one way or the other as I find your site valuable and need dispassionate reporting.