Apple Pay might not quite as large of a hit as Apple had hoped. A recent study found that only 6% of iPhone 6 users have actually used Apple Pay to make a purchase. Given that Apple Pay and NFC payments in general was one of the standout features of the phone, that’s a really small number of people to have adopted service.
Another issue may come in the form of security concerns. Apple Pay uses tokens to make purchases rather than your actual credit card number, so even if your phone is stolen the thief won’t have access to your account information. Many iPhone 6 owners might not know that fact and be reluctant to use the feature in case their phone becomes lost or stolen.