Doesn't solve anything. Every time I try to use Apple Pay with my chipped card, the machine at CVS tells me that I need to insert my card into the chip reader. Absolute fail. Why does the Verifone machine at CVS knows my Apple Pay card has a chip? Why even offer NFC if I need to use my physical card anyway?

Funny, we've had chip-and-pin cards in Canada for ages (which are a bit slower than swipe-and-sign but significantly more secure) and now can also pay with the card using NFC proximity readers (which are very fast). We've never had problems with either.

Sounds to me like run-of-the-mill problems with the switch rather than issues with the underlying tech.

It's significantly slower here. I'd say over 5x slower. If swiping takes less than a second, the chip takes 5 seconds. I'd also blame the implementation.

I was in Spain last fall, where NFC/Apple Pay worked great but was not available to locals.

It was really funny, as I'd just tap my phone on their CC machine and they would act like I was some sort of sorcerer or something.

This happened to me at Target with a discover card. They did not accept NFC. My solution was to stop shopping there.

Is there something intrinsic to EMV that makes it slow? Or just bad implementations of the readers?