The Apple Pay service is an integral part of apple devices such as iMac, iPhones, Apple Smart watches which can be used to make payments in various points of sales that supports the use of this payment option. Apple Pay is very popular in it's host country and so therefore, many merchants makes use of Apple Pay as an option for their transactions. This payments can be done using simple touch like Fingerprint and Face ID to make this payment. The Service is actually limited to only Apple devices and Android devices can not access it.
Making use of Apple Pay starts by linking with bank cards in the supported bank in America and not only does Apple Pay links credit cards for purchases but also Student ID cards for easy access to Library services, canteen etc. The use of Apple Pay service isn't just limited to merchant stores but even public transits like Trains and Coaster buses by simply scanning barcodes for payments.
There is cash rewards for using Apple Pay and the way Apple Pay can be used to make payments, one can't help but being jealous of it's services. The only thing is that with it's services confined to USA, other countries do not get access to it's services.