Matt Birchler is an expert on payments, so when he writes about them, you listen:

I can’t see the future, and I don’t work directly in card issuance, but this is my very strong instinct. They want to win the payment volume game, and you don’t do that by restricting where your card can be used, you win that by being able to tell your customers, “you can use our card ANYWHERE!”

I quoted Matt’s post last time he wrote about opening Apple Wallet up to other payment providers and I still stand by my comments. I think the frustration will be when every reward or membership offering wants you inside their app.

Matt’s comment also reminds me of the frustrations I have every time I try to use an Android phone. I bank with Barclays, and whilst they now support Apple Pay, their card is not available everywhere. To use my card on a Samsung phone I must change the default to Google Wallet, which is a frustrating mess that only half works. In fact, it took them an absolute age to even do that, instead choosing to develop their own app with a permanent notification on the Lock Screen!

I’m hoping the times are gone, but not all banks seem to be made the same in my experience of ones outside the US. I’m hoping that most are so used to using Wallet now they just stick with that, as Matt points out the fees are negligible.