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> 43% of people who attempt to use ApplePay at a terminal that supports it fail and the clerk provides no meaningful assistance.

Do you have a source for this? I'm honestly interested in reading more about this and where this number comes from.

Edit: Close from memory but it was 42% couldn't get help from a clerk, 47% were denied by a participating merchant and the source article is here: http://arstechnica.com/apple/2015/04/like-all-mobile-wallets...

Thanks!