In order for Apple Pay to be facing a "challenge", wouldn't there have to be, say, an actual competing product, as opposed to some unwise executive at RiteAid d

In order for Apple Pay to be facing a "challenge", wouldn't there have to be, say, an actual competing product, as opposed to some unwise executive at RiteAid deciding to unilaterally disable NFC readers that they already have paid for (amazingly childish) and placed in their stores, along with mumbling about some maybeware solution that they might ship in 2015?