That&#x27;s not quite right either.<p>Apple Pay does not require Apple-specific contactless payment terminals and will work with Visa&#x27;s PayWave, MasterCard&#x27;s PayPass, and American Express&#x27;s ExpressPay terminals.<p>So merchants are not &quot;locked in&quot; to passbook.<p>The reason for Apple Pay success is that they worked with the companies in question so that the infrastructure was already in place when the phone was launched. I was in the UK the week of the Apple Pay launch there and the same terminals that 3 months prior were accepting my contactless card were now accepting my iPhone.<p>In other words it just worked.