For those who have wallets bursting at the seams with payment and loyalty cards, this scenario may sound familiar: You’re out shopping, you bring your items to the cash register and face the quick mental calculus of which card to use? Visa? Mastercard? Debit? The store issued credit card? Well, Apple proposes to solve all that with a swipe, provided you have an i-Phone 6, or 6 Plus that is. Two weeks ago today, Apple unveiled its latest creation: Apple Pay, a mobile payment system it claims will make purchasing easier and more secure. Some major retailers aren’t having it, but why?