I used it several times last night, each time at stores that don't have NFC payment available -- Macy's, Nordstrom, Target and Gymboree (don't ask). A couple of clerks asked if I was using Apple Pay. A couple told me "I don't think we have that" (meaning NFC payment). All of them were amazed when it worked (and, I'll admit, I was kind of amazed too). One clerk asked what I think is a very good question: how can they check ID, as they are sometimes required to do, if the virtual card on the screen of my phone doesn't have a name on it? I know that ID shouldn't be necessary because the system is secure, but that doesn't help a clerk whose employer REQUIRES ID checks whenever a credit card is used. Until the store/employer changes its policy, what is that clerk supposed to do? I could certainly show ID, but I'm not aware of a way that a clerk could compare the ID to the name on the card, since there is no card and since the picture on the screen of my phone is just a blank card that doesn't include my name. Anyone know the answer to this?