Surprising that this is the first mention of Apple Pay in the thread, given the upcoming release in iOS 11. I wonder how they'll resolve these issues. Will commercial transactions be technically forbidden? For how long, and for what reasons, will transactions be able to be reversed? When can we feel comfortable that the money is "really there"?
From my experience in the UK, those apps allow you to leave your card at home. Not much of a difference if you're carrying a wallet anyway, but if you carry just a phone and a card + ID in the phone case, you can now ditch the card. Otherwise I don't see the benefit.
Ha. I generally leave the phone at home and just take a card. Slimmest wallet I've ever had. I've never carried ID, though. That would double the size of my wallet :(
Even things like Google Wallet & Apple Pay seem to be treated with a “but... why?” attitude.