????第二天，我在快餐連鎖店Panera Bread就餐，發現該公司在大肆宣傳可接受Apple Pay付款。我走進店里，看見三臺收銀機貼上了接受無接觸式付款的標志，不禁心里歡騰了一下！排隊的時候，我不停在腦海里演練著如何操作。我需不需要跟收銀員提前打個招呼？還是說裝作很熟練地直接把手機放在簽名板上（它同時可用作Apple Pay近場通訊技術的閱讀器）？以后買單的時候，我還會這么緊張嗎？

????終于輪到我了。我把手機舉到簽名板上面，看到iPhone的屏幕閃出了我的銀行卡圖片，然后又變黑了。完事了。我剛剛用Apple Pay進行了人生中的“處女付”，結果一切發生太快，我都沒來得及對收銀員說出我排練了很久的臺詞。總而言之，用iPhone付款太簡單了。直到收到小票，放回錢包，我才如夢初醒。

????于是，這周我試著在所有買單的場合用Apple Pay付款。由于住在遠離大都市的偏遠小鎮，我已經習慣了當地的商戶總是在技術上落后半拍。我曾經希望Apple Pay是一個例外。可惜，結果卻并非如我所愿。兩周后，我們當地的商戶還是沒有半點動靜，就和以前一樣。

????當然，我們不能奢望移動支付一夜間普及，甚至未來幾個月都可能實現不了這一點。Apple Pay的問世也許比它的前輩們更轟動一時，但整個行業還有很長的路要走。一些零售商在結賬臺禁用近場通訊閱讀器，使得Apple Pay無法發揮作用，這種做法頗值得玩味。谷歌錢包（Google Wallet）幾年前就已問世，而這些零售商也一直無動于衷。Apple Pay似乎正在取得突破，但另一方面，零售商們正在為那些希望用數字渠道支付的消費者設置新的障礙。

????順便提一下，我僅有的兩筆Apple Pay支付記錄中的另一筆是在麥當勞。我帶著孩子們去買冰激凌，收銀員和孩子們都沒在意我是怎么付款的，或許連我自己也不應當（對怎么付款）大驚小怪—— 又或，這才是問題所在。（財富中文網）

????The next day I made a stop at Panera Bread, the national fast casual food chain, where it is widely advertised that Apple Pay is accepted. I walked into the store and noticed three cash registers affixed with signs stating that they were contact-less payment ready. Jackpot! Waiting in line, I rehearsed in my head how the transaction play out. Do I tell the clerk what I’m doing? Or do I just just hold my phone over the signature pad (which doubles as a reader of near-field communications technology, the tech at work with Apple Pay) as if this is something I’ve done my entire life? Will the future always be the source of so much anxiety?

????It came time for me to pay. I held my phone above the signature pad and watched as my iPhone’s screen flashed with a picture of my card and then went black. That was it. I had just made my first payment with Apple Pay and it happened so fast I didn’t even have time to have one of my rehearsed conversations with the clerk. If nothing else, paying with my iPhone was too easy. My amazement was interrupted as I was handed a paper receipt to place in my wallet.

????I tried to use Apple Pay at every point of purchase for the rest of the week. Living outside of a major metropolitan area, I’ve grown accustomed to local businesses being behind the technological curve. I hoped Apple Pay would be different. Alas, that’s not the case. Two weeks later, my local businesses are no closer to embracing the future as they had been.

????The shift to mobile payments isn’t something that’s going to happen overnight, of course. It won’t even happen over the course of a few months. Apple Pay has arguably made a bigger splash its predecessors, but there’s more work to be done across the entire field. The fact that retailers are disabling NFC readers at the checkout stand—which renders Apple Pay useless—speaks volumes when you consider Google Wallet has been around for a few years and those same retailers never batted an eye at customers using it. On the one hand, Apple Pay seems to be breaking through. On the other, retailers are creating new roadblocks for consumers who want to pay using digital means.

????The only other transaction I was able to use Apple Pay for, by the way, was at McDonald’s. I took my kids out for some ice cream. Neither the clerk nor my kids cared how I paid for the tasty treat. Perhaps neither should I—and perhaps that’s the point.