Apple has a list of stores that accept Apple Pay, and if you have an Android phone with NFC, you can use Google Wallet anywhere MasterCard PayPass is accepted. If paying with your phone is very important to you, check out which merchants accept mobile payments before you upgrade your phone. Google Wallet and Apple Pay are both more widely accepted, but we are still years away from mobile payments in all major stores, if we ever get there at all. You'll want to check out the businesses in your area to see if they use these apps for payments.
With PayPal, LevelUp and Square Order, you're limited by where you can use them. Just a caveat before we get started: Many merchants still do not accept mobile payments. I've rounded up three lower-tech apps can still help you foot the bill. If that's the case with your smartphone, you don't need to upgrade to make payments on the fly. But even though we have Google Wallet, Apple Pay and, soon, Samsung Pay, there are still many phones lacking NFC and the other internal tech that makes mobile payments possible.
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