The big incentive came in October of this year, the liability for fraudulent payments at the terminal switched from the card issuer to the merchants accepting p

The big incentive came in October of this year, the liability for fraudulent payments at the terminal switched from the card issuer to the merchants accepting payments. This is in coordination with the roll-out of Chip cards in the US. So basically, all merchants are going to have to upgrade their terminals soon and it really makes no difference to their back end whether you pay via credit card or Apple Pay. http://www.emv-connection.com/understanding-the-2015-u-s-fraud-liability-shifts/ http://www.emv-connection.com/understanding-the-2015-u-s-fra...