[aianus]

> Everyone has Paypal - very few people (relatively) will have ApplePay.

Today Paypal has something like 150 million users worldwide while there are 72 million iPhone users in the United States alone. Presumably all of these people will eventually upgrade to an iPhone supporting ApplePay.

[XorNot]

That is a big assumption. Phones have been getting a longer and longer tail.

Moreover, there's almost certainly >50% overlap between iPhone user/Paypal user/other service user.