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Meanwhile, companies like Uber and Airbnb have been forced to become payments giants themselves, helping to facilitate and process millions of transactions (and millions of dollars) each day.

“I’ll be honest: It’s very confusing, not just to me, but to most customers.

And it really erodes the value proposition that mobile payments are simpler.” On a frigid January afternoon in Midtown Manhattan, just hours into my experiment, I found myself at 2 Bros., a red-tiled, fluorescent-lit pizza shop that operates with an aversion to frills.

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As I made my way past a row of stainless steel ovens, I watched the patrons in front of me grab their glistening slices while wordlessly forking over mangled bills, as has been our country’s custom for a century and a half.

When my turn came to order, I croaked what was already my least-favorite phrase: "Do you, um, take Apple Pay?It is 100% free to use all of our dating sites features and it always will be.All members can send messages to each other and we offer a cheap and easy premium option if you require more.A change may be coming for money, but not everyone’s on board yet, and Yaeger's entirely correct that the "simple" value proposition hasn't entirely come to pass.Paying with the wave of a phone, I found, pushes you toward extremes; to submit to the will of one of the major mobile wallets is to choose between big-box retailers and chain restaurants and small, niche luxury stores.Then don’t forget the lesser-knowns: Dwolla, Tilt, Tab, Level Up, SEQR, Popmoney, P2P Payments, and Flint.

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