The CC Companies are held to a higher standard as it relates to consumer protections. That is why there is an additional 2-3% fee for merchants who participate in the system. It's insurance for them and the consumer.
I have to support Apple Pay. I was never going to support an app that wants my SSN and DL and ACH Debit and health information. That's just a non starter for me. This information would be more secure posted up on my Facebook Page than with CurrentC.