It's a "who gets a bigger slice of the credit card fees" problem. All of these networks are way over-complicating the negotiation dance of "walk to a machine and slide a credit card". Yes, "plug and charge" is a great idea, a car can be a great physical NFC token for itself/its owner's credit card, but it's a "nice to have". It's amazing the slow progress of getting at least the "slide a card" fallback working despite, say, decades of gas pumps doing exactly that. (Again yes, a less desirable "ideal", but a practical solution for yesterday.)