Yes, the merchant brings a portal NFC terminal.
In the UK, I can go to many restaurants and when I pay the bill and ask to pay by card, they just bring over the terminal (that has chip + pin, and swipe too), and if you have a contactless card, you just hold it for a couple of seconds near it and that's it. The same terminal will work with Apple Pay.
Of course not every merchant has one of these yet, but many cafes, retailers and eateries are beginning to use them.
From what I have read, the Apple Watch, once authorised, can be used for Apple Pay even after your iPhone has ran out of battery (and then once it stops detecting your heart rate, it is automatically deauthorised). But as far as I'm aware Apple hasn't said anything official yet, so this could be wrong.
Yes, once EMV cards (chip+pin) are rolled out in the US next year these portable readers should become common because at some point the credit card companies are going to make the retail outlet liable for any fraud on magnetic stripe swiped transactions.
jake hamby wrote: »
If Apple wants to win the ecosystem wars where it counts (i.e. where Google is playing the game), they need to get people thinking of iCloud instead of Google's cloud. I really hope for Apple's sake that they have a secret project somewhere to write an Android app for iCloud or else I think a lot of people are going to stay with the Google ecosystem in which case, neither phone ecosystem has any advantage over the other as long as devices have WiFi or mobile data.