Lokacin da Apple Pay ya shiga kasuwa, yawancin kamfanoni sune sun daukaka yiwuwar ƙirƙirar irin wannan tsarin biyan kuɗi. Apple Pay ba kyauta bane ga yan kasuwa, amma kyauta ne ga masu amfani. Kwamitin da dole ne ‘yan kasuwa su biya domin iya amfani da wannan fasahar ta bambanta dangane da yawan kamfanonin, musamman a bangaren mallakar kamfanoni ko kuma manyan wuraren kasuwanci.
Yawancin manyan cibiyoyin kasuwanci, ba su kasance shirye su biya kwamitocin da Apple ke son iya amfani da su ba na fasahar biyan su, kuma sun yanke shawarar kirkirar wani dandamali mai zaman kansa wanda ba lallai bane ga tashar ta sami guntun NFC, ta wannan hanyar, kasancewa ta hanyar aikace-aikace, fadada shi zai fi sauri.
MCX ƙungiya ce ta kamfanoni tare da yawan kamfanoni a duk faɗin ƙasar waɗanda suka yanke shawarar ƙirƙirar sabon sabis na biyan kuɗi kwatankwacin Apple Pay, amma maimakon amfani da guntun NFC, ana biyan kuɗi ta hanyar aikace-aikacen kansa akwai don duk dandamali na wayar hannu. Aikin yayi kamanceceniya da tsohuwar Google Wallet, yanzu ana kiranta Android Pay. Sabis wanda shima yayi kamanceceniya da wanda Samsung Pay ke bayarwa a ɗaya daga cikin bambance-bambancen biyan sa.
Kamfanin MCX kawai ya sanar cewa ƙaddamar da wannan sabon sabis ɗin biyan kuɗi ta hanyar aikace-aikace, an sake jinkiri, kuma zai kasance cikin beta a yanzu. Manufar farko da kamfanin ya yi shine ya iya bayar da wannan sabis ɗin kafin ƙarshen shekarar bara, amma saboda dalilai daban-daban hakan ba zai yiwu ba kuma daga ƙarshe an ɗage shi har zuwa wannan shekarar, amma kuma an jinkirta shi. Manufar haɗin gwiwar shine a shirya sabis ɗin kafin a ƙaddamar da shi don samun damar aiwatar da shi a duk faɗin ƙasar gaba ɗaya, don masu amfani su iya amfani da shi a duk kamfanonin wannan kamfani.