Besides convenience, security and privacy are the backstop for my usage. I just trust Apple more to not be sleezy with my transaction history.

Here with Apple Card, even if Apple might not choose to centralise your payment data, the underlying network (MasterCard, in this case) most certainly can know where you spent it, and vendors at point of sale can keep track of it too.

  * Tokenization is using a unique per-device credit card.  These are generated by the payment network, so Mastercard knows who is making the payment.
  * EMV includes per-transaction tokens.

I agree with this. Maybe it's because I still have trauma from broken power buttons (back in the iPhone 4 era), but I'd like to not have to press buttons as much as possible.

Hooray for FaceID!!!

For now. They are all still collecting and storing all the data. The only solution is lack of data collection to begin with.

cash is the most convenient secure and private form of payment. applepay if i run out of cash or its a larger transaction. chip (in the US) is hobbled by stupid UX (insert card, tap random buttons, sign, etc.), so swipe is usually quicker and more reliable. i never use debit.

Overall I try and use Apple Pay where I can and find about 2/3 of the time I want to use it I can. My biggest struggles have essentially been at smaller stores that still just have basic square swipers and obviously the occasional cash only locations.

It should work anywhere that touchless mastercard is accepted, though I do think that vendors can turn off apple pay specifically to avoid the fee.

I don't think merchants have to pay anything extra to accept Apple Pay. It's the banks that have to pay a "marketing fee" to Apple to let their cards work with Apple Pay.

Edit: Apparently not.

However, if Apple can isolate most Apple purchases to using their own card, things get interesting. 3% off Apple purchases is pretty decent. Kind of like Amazon wants all it's data for purchases through it's own card.