We asked our reporters, who play so well with others, to choose a favorite story from 2025 by a Retail Brew colleague. Just over a decade ago, could you have imagined a world where your phone stood in for, well…pretty much everything, including cash, cards, even your subway pass? Apple did. And in so doing, it turned the daily ritual of rummaging through our wallets for the “right” card into the much cleaner, cooler act of pulling out a phone and tapping. Thanks to Retail Brew Reporter Alex Vuocolo’s keen eye (and enviable POS-system fluency), we got a deeper look at how Apple Pay went from a novelty option to something accepted by more than 85% of US retailers in under 10 years. The significance for Apply Pay was that when merchants started updating their POS systems to communicate with these new chips, many saw an opportunity to add another technological capability called near field communication (NFC). This technology is what mobile devices use to communicate with each other and it also happens to be the backbone of Apple Pay. “Once they looked at these strategies for replacing their terminals, that’s when they said, ‘Well, listen, it doesn’t really cost that much to add this NFC technology as well,’” [Christopher Uriarte, payment expert at Glenbrook Partners,] said. Once that technology was embedded, he added, your iPhone was as good as your credit card. What else is new? Even though contactless payments like Apple Pay are becoming the default at retailers around the world, Walmart remains one of the major holdouts. Shoppers won’t find NFC payments like Apple Pay or Google Pay at checkout, but instead, they can use Walmart’s own payment tools. Still, as Alex notes, for consumers it all comes down to one thing: convenience. And in 2025, tapping to pay was about as convenient as it got. Read the original story here: How Apple Pay became ubiquitous at retailers—JS |