The chip readers still have the problem of being too damn slow in the US. Often taking more than 5 seconds to complete the transaction. It may not sound like much, but that adds up over time. Apple pay is instant, although it has the annoyance that the range on the contactless payment is about 4" (10cm) too short so you have to wave your phone all over the reader until you find the one spot where the antennas line up just right to get the read.