Originally Posted by
ryandelany
You are still limited to using a Visa card. Apple Pay is just the technology conduit between your credit card and the merchant so it doesn’t override whatever restrictions the merchant has in place.
While this is normally true, there are merchants who actually accept AmEx yet heavily discourage you from using one. NFC would be a workaround for such places--until they realize that's what's happening and have it disabled/stop people from using it, of course.