In theory Apple Pay sounds like a great idea considering how many iPhone users there are. However not all retailers have hopped on board and understandably so given that they would need to pay for transaction fees. Instead what some, such as Walmart, have done, is launch their own mobile payments system.
Target appears to be testing in-store Apple Pay in San Francisco, limited to app-only elsewhere
While Apple Pay is slowly gaining widespread adoption from retailers everywhere, one notable holdout has been Target. According to a handful of shoppers at a Target store in San Francisco, however, the retailer could be testing Apple Pay support at its physical locations.