re: Using ApplePay at a restaurant, would you have to give phone to waiter?

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I imagine the waiters will get portable receivers so the payment can take place at the table...eventually.

yeah, and how much will this cost the restaurants?

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They're going to have to upgrade their equipment soon anyway. The Chip and Pin standard they've been using over in Europe is mandated in the US for October 2015.

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Fortuitously, the introduction of chip and PIN coincided with wireless data communications technology becoming inexpensive and widespread, and wireless PIN pads were introduced that could be brought to the customer and used without the card ever being out of sight (this would have been possible, had the technology been available, with magnetic stripe cards). Chip and PIN and wireless together reduce the risk of cloning of cards by brief swiping.

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LINK

I would imagine there will be many PIN pad/NFC payment combo devices.