Apple Pay is not very popular
Even though we now have much more iPhones that support Apple Pay around than when it launched, and more compatible payment terminals in stores, only 6% of iPhone owners with activated Apple Pay use them to pay for stuff on a regular basis, compared to about 5% when the service hit the tape many moons ago.
Apple Pay is still on the store payment margins, 7 years after launch
The reasons? Well, it just isn't as convenient or ubiquitous than the good ol' plastic, especially with the advent of contactless ones. You still need an extra device to lug around with you, and extra steps to pay, so the majority of iPhone owners apparently don't really bother except for the dedicated few.
FCC OKs Cingular\'s purchase of AT&T Wireless
Things that are NOT allowed: