It’s heavily used everywhere else in the world, the US is well-known to lag behind on payment technology. It’s like travelling back in time when you go there.

I pay with my phone literally everywhere in Canada, haven’t opened my wallet in months. I was in the US last year and they didn’t have mobile payment terminals at restaurants so you always had to pay for sit down service at a counter, always wanted me to sign for tap, kept calling it Apple Pay instead of tap or contactless, had places that would only swipe a physical card which isn’t even allowed in other countries anymore, it’s crazy.

Walmart takes tap in Canada, they were one of the last holdouts. The “individual app for each service” thing is very American, even American companies abroad don’t do it because they’ll lose business. It’s the same thing with cash transfers. There are 100 different private ways to send money in the US. PayPal, CashApp, Facebook Pay, Apple Pay, Venmo, etc.

None of those exist in Canada because we just have Interac e-transfers. Hard to compete with free & automatic support by every bank account in the country. Other countries have similar systems. The US has Zelle but as far as I know that was implemented way later and doesn’t have the mindshare.

So random that the USA is lagging behind in this regard, travelled Europe - everyone using phone pay, and in Australia my home country, it's pretty much the only way people pay nowadays.