https://finance.yahoo.com/news/americans-arent-using-phones-make-payments-stores-115640045.html > Why does the U.S., which has a high penetration of smartphones and a well-developed financial system, lag when it comes to mobile payments?" data-reactid="25">Why does the U.S., which has a high penetration of smartphones and a well-developed financial system, lag when it comes to mobile payments? > Many merchants are open to mobile payments, which could help them speed up the checkout line and make the shopping experience more seamless for customers. Apple (APPL) says that Apple Pay is accepted at half of the merchants in the U.S., a huge jump from 3% in 2014. " data-reactid="34">Many merchants are open to mobile payments, which could help them speed up the checkout line and make the shopping experience more seamless for customers. Apple (APPL) says that Apple Pay is accepted at half of the merchants in the U.S., a huge jump from 3% in 2014.