Okay, check this out...... http://www.macobserver.com/tmo/article/canadian-bankers-balk-at-onerous-apple-pay-terms?utm_source=macobserver&utm_medium=rss&utm_campaign=rss_everything Canadian banks balking at Apples terms for implementing Apple Pay. Interesting enough, one of those concerns are security. $VLDI, Canadian company, with many Canadian contacts.... Just saying!