Update: This list has been updated following Best Buy's announcement of Apple Pay support on April 28, as well as news of Starbucks, KFC and Chili's joining the fray on Oct. 9.
Apple's new Apple Pay service is finally available to users of the iPhone 6, iPhone 6 Plus and Apple Watch, but you can't just walk into any store and use it. Apple has a list of over 30 retailers that will accept Apple Pay now, with even more retailers set to jump on-board later in the year.
Yet there are nearly twice as many well-known retailers that likely will not accept Apple Pay in the near future. They're supporting a rival smartphone-payment system called CurrentC, backed by a joint venture called Merchant Customer Exchange, or MCX. CurrentC is in trial runs and will be rolled out nationwide sometime next year.
Falling in the middle are hundreds of retailers that haven't yet taken sides. Apple and MCX will be fighting to win each of them over in the coming months.
MORE: Apple Pay: Can You Trust It?
The situation will get even more complicated with the mass introduction of "chip-and-PIN," or EMV, credit and debit cards, which will replace regular magnetic-stripe cards in the United States by Oct. 1, 2015. Chip-and-PIN cards are much more secure than today's cards, and customers may find them more convenient to use than smartphone payments.
The only thing that's certain is that the regular magnetic-stripe credit card is about to die. We'll all be using something very different to pay for retail purchases by the end of the decade.
In the meantime, here's where you can use Apple Pay today — and where you probably won't be able to anytime soon.
Apple Pay welcomed today:
American Eagle Outfitters
Babies "R" Us
Best Buy (in-app only, in-store purchases coming soon)
BJ’s Wholesale Club
Chili's Grill & Bar
Foot Locker/Kids Foot Locker/Lady Foot Locker
House of Hoops by Foot Locker
Petco/Unleashed by Petco
RUN by Foot Locker
Toys "R" Us
Whole Foods Market
Walt Disney Parks and Resorts
Apple Pay support coming soon
Waiting for CurrentC, and not likely to sign on to Apple Pay:
Bed Bath & Beyond
Buy Buy Baby
The Capital Grille
Christmas Tree Shops
Dick's Sporting Goods
Eddie V's Prime Seafood
Giant Eagle/Get Go from Giant Eagle
Harmon Face Values
Kum & Go
Maggiano's Little Italy
My Goods Market