Apple pay dont nab retailers , retailers nab apple pay, by using bank issued nfc terminals merchants dont need agreements with apple to accept apple pay, if you guys were not so fare up apples arse you would report correctly that retailers are installing contactless payment options not installing apple pay as its not possible it dosnt exisist as an option and all of the apple pay users complaining they are having difficulty making payments using apple pay it is because apple pay isant an option topay with when making payment say your using a credit card, its how contacless payments work duh