> "this doesn't fit my experience. For example, Home Depot doesn't accept apple pay but their chip readers work with other cards." It must be different in the

> "this doesn't fit my experience. For example, Home Depot doesn't accept apple pay but their chip readers work with other cards." It must be different in the US, then. In Europe, Canada, and elsewhere, any terminal that accepts standard contactless cards (ie: pretty much 100% of them now days) will accept Apple Pay/Google Pay. When Apple Pay first launched, there was an issue where some older terminals would apply the unauthenticated contactless payment transaction limit (£50 or whatever), instead of recognising that device-authenticated payments should have no limit. But that's long since been fixed.