I think the real question with apple pay is whether stores will actually adopt it or not. Maybe if who they contract with for their credit card processing machines release a new machine that has both apple pay and chip/pin capability in one device, it could happen. But I honestly don't see a lot of retailers running out to add this feature, especially since they *are* going to be having to replace the devices for machines that can handle chipped cards. The other question is whether they'll put up with the additional fee that's going to be tacked on from apple for the privilege. I certainly wouldn't expect to see this in smaller businesses simply because of that fee, there's a number of small business already that would far prefer you do a debit card than a credit card transaction just because of the larger charge with a credit card. (Personally, I feel this is really a large issue with *all* of the digital wallet type systems.)