Good and balanced article. Great comment by "jonandkelly":
"Reality Distortion Field. merchants aren't adopting Apple Pay, Apple Pay is adopting the current NFC payment system that is already in place at places like McDonalds, Whole Foods, PetCo, Nike, CVS, Walgreens, Rite Aid, etc. etc.
Apple just listed the stores that already accept NFC tap to pay systems or are currently going to and sort of gave everyone the impression that they all had this Pow Wow with Apple and created this unique payment system.
Let's also not forget that in 2015 Federal regulations will have merchants update their credit card terminals to meet certain standards and they will have access to NfC payment systems.
But apple will get credit for all these stores adopting this. Even though they legally had to."