Apple Pay Is Too Anonymous for Panera, Starbucks, and Other Retailers - Businessweek

Pay different -- and if merchants want consumer data, they can directly negotiate with consumers for it

"The world’s largest retailer,Wal-Mart Stores (WMT), is rejecting Apple Pay altogether. It has said it has no plans to accept Apple’s payments, and is working on its own system developed by Merchant Customer Exchange, or MCX, in conjunction with a handful of other big merchants. MCX and Wal-Mart declined to discuss their reasons for not working with Apple Pay. Analysts say the primary reason for the parallel effort is to make sure that merchants retain control of the relationship with their customers."

Apple Pay Is Too Anonymous for Panera, Starbucks, and Other Retailers - Businessweek