Originally Posted by
flyingfkb
Yes, because to accept Apple Pay the merchant has a contract with Apple Pay (mostly though a payment service) and does not care what the customer uses behind apple pay. The merchant only sees apple pay. The reason why Visa/MAstercard are more widely accepted is that they both issue their cards via banks while AMEX is issuing themselves. So a merchant needs to have an additional contract with AMEX.
I’m sorry but this is not correct. If you’ve linked a Amex credit card to your Apple or Google pay, you can only use it in places that accept Amex. When you make a payment via Apple or Google pay, the credit card linked to your Apple/Google wallet will be charged directly. If you check your credit card statement, you will see that each transaction is charged separately and directly to your card. And in order for the merchant to charge your card, they must accept it in the first place.