And please don't tell me they won't be shit, I know how their web sites work :)
On the other hand, it's annoying from a "hey that's an evil monopoly" point of view that Apple makes money on every payment I make.
Cannot win i guess.
I don't really know how to feel about it.
My bank has yet to implement Apple Pay support. However, they've had a payment application on Android for a while, since they can access the NFC directly. So while Apple Pay might be really nice to use, it might also mean that you don't get anything if your bank doesn't want to play with Apple.
I'm now using Curve (curve.com) to circumvent my bank in order to use Apple Pay. Maybe even if the NFC access was opened up, applications like Curve would still provide an option to use Apple Pay for the people who want to use that.
On Apple device, you have no such option or competition.
The merchant gets to pay for that, and indirectly it means the people paying cash are subsidizing credit card users, since the prices are identical.
Again, cannot win.
Furthermore, credit cards linked via Apple Pay (e.g. a Mastercard credit card) are afforded the same legal protections in the UK as using the physical card itself in person or online.
Also, I can pay contactless directly with my credit card instead of using Apple Pay.