I believe this topic warrants a necro-bump as a lot has changed. Google Wallet now allows tap to pay on the DNA. Two huge data breaches have brought credit card security to the forefront. And Apple now has their own version of tap to pay. They invented it, in fact. Just ask Tim Cook.
I recently installed Google Wallet on my DNA and added my primary credit card. There aren't a lot of places around here that allow NFC payments, at least nowhere that I frequent. I've tried it twice. The first time was at a small merchant with a human cashier. I had NFC enabled and the app said it was ready. In order to get it to work the cashier had to manually select credit on the register. She had never seen someone use it before so it made for a bit of an awkward moment, but she was young so the concept of Google Wallet was not foreign to her. She even acknowledged that it was the future!
The second time was at a local CVS at a self-checkout. Again the app was ready but this time it didn't work. Rather that fiddle with it and hold up the line I just whipped out my credit card (which is NFC compatible, anyway). I probably wasn't holding the phone right. I foresee a few more awkward moments, like the old man who swipes his credit card backwards over and over and blames the technology rather than the user so he just decides to write out a check by hand. I'll get it right, eventually.
Anyway, considering the cyber-war being waged by Russian hackers, I think anyone who does not otherwise have NFC compatible credit cards will find Google Wallet very useful and secure. It's too bad that close to 100 million consumers had to be compromised in order to get the industry on board with this technology. And now that Apple is in on it maybe people will start to use it.