In Southern IL not so much. One of the first places in my area was Panera, but the system at that particular store works sometimes and not at other times. Interestingly, I spent a month working in London last year and was able to use Apple Pay almost everywhere, even in the outlying areas of the city. And, in that city, the best exchange rate I could get was to use my Simple Bank card, with or without my iPhone, at most any ATM – even when including the service fee it beat anything I could get walking into a bank or exchange shop. Where I live won’t be much empowered with AP until/unless Sams, Walmart and Target get on the ball, which I’m guessing won’t be anytime soon.