Here's what I encounter... It's not so much that NFC paying isn't "accepted" everywhere but the merchants that do have the systems in place have done such a half-arsed job of implementation. I can't tell you how many times I've tried to use the NFC option and the terminal wouldn't complete the sale. The phone and register terminal would acknowledge the NFC signal, and both the clerk and I would stand frozen for 20-30 seconds until the clerk would just look at me and say, "It's not doing anything." Even at a location where it works it isn't consistant. I use it at my nearby gas station's quick shop and sometimes it works... sometimes it doesn't. I'd bet a million dollars either the register isn't configured correctly or the clerk doesn't know what he/she is doing. Unless Apple has solved this portion of the problem the Apple pay experience won't be any more prevalent or hassle free.