In reply to Intrigued.

You obviously don't know a single thing about mobile payment solutions, and it's obvious. The iPhone holds a secure element and unique ID number to use for purchases as part of fraud protection so that it's not possible for hackers to steal your real data. If people were able to use Apple Pay at these stores, their information would be protected and not at risk for identity theft. The fact that these merchants are anti-Apple Pay (except Staples) is what makes this whole situation funny.

Yes, those who don't use Apple Pay will be guarded by protections rewarded by Visa & MasterCard, as well as other care companies, per the card member agreement, but I'd rather be able to avoid that situation altogether by using Apple Pay. It takes time and effort to negotiate disputes for card charges, especially those used with stolen credit card information.

You obviously don't understand how MCX works. MCX BYPASSES Visa & MasterCard, as well as the other card companies, by letting the merchant dip right into your bank account. In return, the merchant does not pay a fee to either Visa, MasterCard, Discover, etc, but the consumer's data and liability is not covered by the card companies if the consumer chooses to use that particular payment method.