[whyenot]

The fact that there may be a better option than ApplePay for 517 million people in Europe... that doesn't on it's own seem like great evidence that ApplePay is "america-centric." The vast majority of the world does not live in Europe's SEPA area.

[yladiz]

Disregarding the kind of payment, it does currently rely on NFC in terminals to work, and there are a lot of developed countries, e.g. South Korea, Japan, Taiwan, that don't have that technology or don't support it. For example, South Korea does have the infrastructure for Apple Pay in many places (e.g. NFC enabled terminals) but their infrastructure isn't set up for it. Even beyond this, there's a lot of countries that support contactless card payment unlike the US, which makes using Apple Pay even less useful and limits its acceptance.

From what I've read the vast majority of Apple Pay payments are done in the US, so it's not unfair to call it "America-centric".

[mhurron]

> Disregarding the kind of payment, it does rely on NFC in terminals to work

The point of Apple Pay in Safari is to move it to online transactions.