NEW YORK (AP) — If there ever comes a day I can ditch my wallet and use my phone to pay for everything, I'll look back to my first purchase through Apple Pay: a Big Mac and medium fries for $5.44. There were a few unexpected steps setting up Apple Pay on Monday, and the employee at a local McDonald's looked befuddled as I stood there after waving an iPhone 6 over the wireless reader in front of the cash register. Apple Pay will take getting used to — for consumers and merchants alike. The biggest difficulty is general acceptance, and Apple has managed to boost interest in mobile payments in a way Google and other rivals haven't been able to for years. Apple Inc.