With $10000 as spending limit. The prerequisite: iPhone 6, 6+, 6s, 6s+; iOS 9; in store purchase, no giftcard.
Here in St. Louis, Schnucks, Dierbergs, WalGreens, St. Louis Bread Co. (Panera Bread) all supports Apple Pay. Though on Sept. 17 I tried at Schnucks counter, it failed, note this is the 2nd day of Discover Apple Pay launch, so it could be a glitch. It worked on Panera Bread (Sept 18, 19). I will also try Trader Joe’s as I saw it’s coming soon from the Apple website.
Why iOS 9 for Apple Pay
It’s a bit more security. Previously one can add a card to Apple Pay just from the physical card. So basically if a card is stolen, technically it can still be added. Obviously the card issuer usually has fraud detection system in place to catch those. But iOS add a two factor authentication when adding a new card, which is definitely a great idea. We catch the problem earlier this way. A thief cannot add a stolen card as easily as it used to be.
Btw, I saw the fingerprint based authentication get popular as BoA app and other apps (e.g., Apple’s own iTunes connect) use that for authentication. Save some typing work and more security.
(Update 09-20-15) It appears Discover Apple Pay still does not work on local Schnucks store. It prompts “do you want cash back”, I said “No”, then the transaction got declined. Something at a miss at Schnucks or their payment processor. Because it does work at Panera (St. Louis) Bread since Sept 18. I guess one way to test it is to swipe Discover Card directly to see if it works
(Update 09-25-2015) Used Apple Pay with Discover at Subway for lunch today, it worked flawlessly.
(Update 09-27-2015) Worked in Trader Joe’s too.
(Update 11-07-2015) Discover Apple Pay works in Schnucks now.