The mobile payment battleground is currently in chaos, with customer loyalty programs, retailer apps and Apple Pay each marshaling troops, attacking supply lines and forming shaky—sometimes short-sighted—alliances. Just weeks after launch, consumers seem to like the Apple Pay experience best, with its one-tap simplicity and strong privacy features. Unfortunately, three hurdles stand in Apple Pay’s way. Technology Apple Pay requires NFC (near-field communication) to work, and some retailers don’t have the technology built in.