Ah, you're right. I forgot about HD which surprises me every time I visit. TBH I have knuckled under for Walmart, which I shop frequently, by using Walmart Pay on their app. I agree that for frequent shoppers it's well worth it, but useless to someone off the street who isn't used to it.

I as a frequent shopper just like the way I can scan my code at any point and then push one button to check out, and that they allow credit cards to back it. For a while before its launch I think it was rumored that Walmart Pay would require an ACH or debit, which would have made it a hard no for me.

I still think that we've seen major progress. For instance, the huge Kroger chain got on board sometime in the past 2 years after being NFC or Apple Pay laggards. CVS a couple years before that, I remember them being particularly prickly about never taking Apple Pay and they came around.