The truth is the adoption rate for Apple Pay is terrrible and probably going to get worse. In a June 2015 survey, only 13% of elligable Apple users (who have the iPhone 6) have used Apple Pay. 58% of users hadn't tried it but didn't say why. 4% said they didn't know how to use it, 2 % said they didn't trust it. But more troubling for Apple, 11 % said they hadn't used it becuase they use credit cards and didn't see an advantage. And I think that's the core problem. There's no advantage to using your phone to funnel payments through a credit card you're already comfortable using.