I think problem with Apple Pay you experienced was due to US not being up to speed with contactless payments (or chip one for that matter as well)? In Poland you coild use contactless cards for a veeeeery long time, so when mobile payments came it was just swapping card for a phone. What's mote, before Google / Apple pay, banking apps offered mobile payments, first Via dedicated sim card and then via app
People literally switched banks to get Apple Pay here.
I think the whole "chip-and-pay" thing in the US is so very laughable - everyone else has been with it for at last a decade.
It's a shame it took forcing merchants to wear the cost instead of banks making the terminals more affordable - then again, I am talking about the banks here.
