True... however the average 'non-techy' will try to use Apple Pay instore and just assume its their phone or Apple Pay not working. Therefore creating a bad stigma around the payment method; when in fact its the stores deliberately restricting.
I'm sensing 'Asda Pay'... coming soon; after all a great way to get customer insight into spending habits. Sure Tesco is laughing at the moment with - Name, address, age, spend frequency, stores visited, Brands purchased etc.
As we speak bet their creating pretty graphs for senior management based on - Consumer Spending habits, Most popular brands based on age etc...from that then predicting future spending patterns, investment required & areas to promote which items