> Sure, there's a long tail of banks/cards that don't support it yet, but I think it's fair to call Apple Pay and Google Pay massively deployed and successful s

> Sure, there's a long tail of banks/cards that don't support it yet, but I think it's fair to call Apple Pay and Google Pay massively deployed and successful solutions. Sure, but my point was that Google didn't have an easier time as a result of Apple putting in the legwork - Google was first, neither is done, and others are far behind. > Absolutely nothing needed to be upgraded in the payment terminals You need to upgrade to support contactless payments, which was not previously a requirement to accept a payment method and not at all widely rolled out - in Denmark, contactless payments launched a year after Apple Pay released in the US, and that's despite Denmark generally being cashless and far ahead of US on credit card security stuff. Contactless payment is still not universally supported, so upgrades are still pending.