RELATED: As a consumer, you need a mobile payment system to be idiot proof, Fort Knox-level secure and ubiquitous. As a parent, you’d probably just settle for ubiquitous, but that piece of the puzzle has already tripped up efforts by one massive banking consortium and the geniuses at Google. All the slick hardware and UI in the world won’t help Apple navigate the minefield of stakeholders necessary to get their systems everywhere you currently use plastic. ALSO: Only 220,000 retail outlets will be open for business when the service rolls out next month – a whopping 2.4 percent of the country’s total merchants. But, Apple being Apple, their launch partners include major chains that are probably on a lot of errands list, so you’ll have the opportunity to try it, at least. Whether it ultimately changes your life is out of your hands (unless you negotiate partnerships for Apple, in which case stop reading this and get back to work).

Brick and Mortar Stores That Accept Apple Pay

Department Stores

Macy’sBloomingdales

Drug Stores

WalgreensDuane Reade

Grocery Stores

Whole Foods

Restaurants

McDonald’sSubway

Pet Stores

PetcoUnleashed

Entertainment & Clothing Stores

Disney stores and resortsNike

Office Supply Stores

Staples

Apps That Accept Apple Pay

Department Store Apps

TargetNordstrom

Coupon Apps

Groupon

Grocery Store Apps

Instacart

Restaurant Apps

SeamlessChipotleOpenTablePanera BreadStarbucks

Entertainment Apps

Tickets.comMLB.com

Transportation Apps

Uber