Ukusukela oko kwasungulwa iApple Pay ngo-Okthobha u-2014 e-United States, inkonzo eye yandiswa kwaye iyafumaneka ngoku kumazwe ayi-15, kubandakanya ne-Spain njengekuphela kwelizwe elithetha iSpanish, uninzi luziibhanki kunye nabavelisi abasungule iinkonzo ezifanayo, ithathela ingqalelo ukuba iApple Pay yayingeyiyo inkqubo yokuqala yohlobo lwayo. Phambi kokumiliselwa kwayo, iivenkile ezinkulu zaseMelika ezinjengeWalMart okanye iThagethi, phakathi kwezinye izinto, zazenze i-Consortium ebizwa ngokuba yi-MCX, injongo yayo yayikukusungula inkqubo yokuhlawula engadingi chip ye-NFC.
Ixesha lihambile kwaye i-consortium ayigqibanga ukwazisa ngale mveliso, imveliso enokuvumela bonke abasebenzisi bala maziko ukuba bathenge ngaphandle kokuthwala izipaji zabo, zii-smartphones zabo kuphela. Ukuzama ekugqibeleni ukuzisa le nkqubo yentlawulo ebomini, uJP Morgan usandula ukubhengeza ukufunyanwa kwayo, okuthi iya kuba yinxalenye yenkqubo yentlawulo ebizwa ngokuba yiChase Pay, Okwangoku ifumaneka kuphela kwi-Best Buy, nangona iWalmart kunye neThagethi zinokuyongeza kukhetho lokuhlawula kungekudala.
Inkonzo ye-MCX, ebizwa ngokuba yi-CurrentC, eyasungulwa kwi-beta ngaphezulu kweenyanga ezili-10 ezidlulileyo emva kokulibaziseka okuqhubekayo, ayizange iphume kweso sigaba kwaye abasebenzisi abambalwa abakwaziyo ukuyivavanya, bathi umsebenzi wawunzima kwaye kuphela abo Ukujonga iiakhawunti zebhanki ezithile kunye namakhadi etyala. Nje ukuba isigaba se-beta siphele, inkonzo ikhubazekile, kwaye yashiywa kwi-drawer ndilinde abaphathi abaphambili beli qumrhu ukuba bathathe isigqibo malunga noku. Kodwa ngokuhamba kwexesha, iinkampani eziphambili ezibheja kwi-MCX zaqala ukwamkela i-Apple Pay kunye ne-Android Pay kwiivenkile zazo, ziqinisekisa ukubhubha kwe-MCX.
