Second, any place that doesnt take Apple Pay is not a place you should do business at. Even lowly kiosks and vending machines accept Apple Pay now. The places that are NOT accepting Apple Pay are a red flag, they are doing something nefarious by holding onto the old system of credit card processing (there are benefits and incentives to use contact less payments and places that refuse are actively missing out for a reason, there is literally no good reason to not take Apple Pay).