Largest grocery chain in TX -- HEB (and its premium spin-off, Central Market) does not accept Apple Pay (AP). Home Depot and Lowes don't. While Walgreen's does and was one of the earliest adopters, I don't think any other big drug stores like CVS do. No gas pumps do though some gas stations inside the stores sometimes do. In the US, virtually no restaurants -- I've only seen one exception -- provide handheld terminals to use Apple Pay (or any credit card) at the table unlike many other countries. In summary, other than an occasional purchase at Whole Foods and Walgreens and Starbucks, I rarely use AP in the US though I always try. Contrast that with Australia and Canada, where I used AP almost everywhere credit cards are accepted.