In reply to hobbie1.

I find the discussion on this topic frustrating because Apple Pay is available for such a small percentage of users in the first place. Two things working against it: requires newest iPhone just released (takes a couple years to penetrate existing installed base, and there are more Android users than iOS users anyway), and it utilizes NFC technology, which is not widely used by merchants in the first place. I haven't done the math, but what percentage of population are we talking about this effecting, less than 2%? This is not commentary on merchants having it and turning it off therefore hindering adoption, it's more about the reality that merchants don't need it to be EMV compliant, so what is the likelihood that they'd be adding it anyway? I don't have answers, just more questions.