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MyECheck is going to be a big competitor with ApplePay and here is why: ApplePay registers Credit/Debit cards that expire, checking accounts do not have an expiration and there are more people with checking accounts then there are people with credit cards (not everyone can get one), ACH system has been hacked numerous times for amounts in the billions and millions of customers accounts and information is now in the hand of fraudsters. Simple, Safe, Secure MyECheck. Also ApplePay charges the merchant 2 to 3 percent of overall transaction and money isn't even debited and credited to both the merchant and from the consumer in real time. No interchange and same day transactions. No brainer MYEC all the way.