In the US retailers don't want to lose customer tracking they can do with fixed card numbers. This is why you see nonsense like "Kroger Pay" and other store spe

In the US retailers don't want to lose customer tracking they can do with fixed card numbers. This is why you see nonsense like "Kroger Pay" and other store specific payment apps. The hardware exists in nearly every terminal that supports EMV (Chip and pin/signature), the retailers just haven't turned it on. Meanwhile, with my Samsung phone and its mag strip emulation, I can use my phone nearly everywhere anyway even if the store doesn't want to support NFC.