Seems like it may take a year or two, at least, to get all the legal issues worked out for Apple Pay before it really becomes main stream. It is one of the big selling points for me in getting a new iPhone, but think I'll wait for the iPhone 7 when this is hopefully all worked out and Apple Pay comes out of its growing pains. Not a big fan of the design of the 6 anyway. Gonna upgrade to the gold 5s.. Currently using the 4.