Integrated Payments and Why Apple Pay Isn't the Be-All and End-All

1. Acceptance. First, the merchant needs to be able to accept different modes of payment at the POS. People want to be able to pay by phone, but they can't yet — at least not in any consistent way. They want to be able to use cash or credit, be it PayPal on their mobile, a debit or loyalty card, LevelUp, a mobile payments system that's connected to credit and/or debit, etc.