I used Apple Pay with Doxo to make my mortgage payment to Wells Fargo this month and can report it went without a hitch. It is 3.5% fee to use Doxo so I will net 1%. Not sure if this will lead to a shut down but right now wife and I each have a AR so if 1 gets cancelled not really the end of the world. Just need to make sure I redeem points as soon as possible to cover the 3.5% fee.