My experience is different, but you're exactly right that they're actively blocking it, at least in some locations. I was in a Lowe's yesterday and tried to check out using Samsung Pay. The terminal clearly recognized the phone with no problem and it asked for my PIN, but the cashier started spazzing out saying she couldn't take it. Since I could already tell the machine read it, I asked to speak to a manager, who gave me some vague rambling about "fraud." I called their corporate number while in the store and spoke with a top level representative who told me that they don't officially support Android Pay or Apple Pay, but they DO officially support Samsung Pay, and she's sorry the store manager gave me the wrong info. She placed a call to the store to get them up to speed so I could check out, and after a long hold, she said she talked to the manager and that while, as a company, they accept Samsung Pay, this particular store does not (citing the vague "fraud" issue again). They are apparently not governed by any corporate policy as far as what forms of payment they accept, and can pretty much do whatever they want. As such, I would imagine it's quite common that they choose not to accept it "because of fraud." Whatever. I'll go to Home Depot, where they don't tell me they don't want my money.