Not that many retailers, especially independent retailers, take Apple Pay as yet. I'm someone who tries to avoid the big chains, so it hasn't proved all that useful to me so far. Although I was in a Lowe's hardware store the other day and their terminals didn't yet support Apple Pay (at least not the ones at self-checkout). And while my local regional chain supermarket does accept Apple Pay, they still make you confirm the amount and sign the terminal, so what's the point? All you get is slightly more security, but in the end it's just about the same effort to take my wallet out of my pocket, remove the debit/credit card and swipe as it does to take my iPhone out of my pocket, place it near the terminal and press the button, then have to approve and sign.
I've also discovered via my own accounts and those of friends who use Apple Pay that Chase and Citibank personal cards were able to be linked, an AMEX business card was able to be linked, but a Citibank business card got the message "not supported as yet".
One thing I do like about Apple Pay is that I have one credit card that I never carry with me so that if I lose my wallet, I still have a card where I can charge and/or get cash. But Apple Pay makes the charging part somewhat moot. So now I can still leave that card at home, but use Apple Pay if I want to charge to it.
What I'd really like to see are cash machines that support Apple Pay. Once we have that, I could probably just carry one card for emergencies (places that don't take Apple Pay, like most restaurants and movie theatres where the ticket seller is behind glass) and leave all the other cards at home. And wouldn't it be great if parking meters accepted Apple Pay?
Used ?Pay at Spouts grocery store last month. They even have an Apple logo on the card reader.
It WOULD HAVE been a life-saver for me once at a Best Buy when I accidentally left my wallet at home, but...