despite initial enthusiasm for Apple Pay, persuading US consumers to switch from using physical cards or cash to using Apple Pay has been tough going. A recent survey found Apple Pay use was declining.

Imagine going into your local cafi© to buy two coffees, using Apple Pay via your American Express card, say at $3.80 per coffee. Total cost to you $7.60. If the cafi© charges a 2% surcharge for accepting American Express, then you will pay $7.75. Why pay 15 cents more, when you could use your MasterCard or Visa, credit or debit card? You can easily avoid the surcharge and still "tap and go".