NFC payment in the U.S. is pretty rare. It's at my CVS drug store but otherwise, I don't often see it. My understanding is that all the NFC standards have done, to date, is just ship your existing credit card over, in the clear. Very disappointing. Apple hasn't announced any details, but based on what they said at the keynote, they appear to be creating one-time card numbers, for any given transaction, and feeding those over NFC. Depending on how it's done, that would be a significant security improvement over the dumb thing that happens when you have an NFC-enabled plastic credit card.