The UK launch of Apple Pay seems to have caught some of the country's biggest banks by surprise with only Nationwide, NatWest, Royal Bank of Scotland, Ulster Bank and Santander ready on day one.
The hotly-anticipated launch of Apple Pay has drummed up support from more than 250,000 stores and companies in the UK, including supermarkets Waitrose and Lidl, restaurant chains Wagamama and Nando's, and Transport for London's rail and bus networks. M&S, Boots, Spar and the Post Office have also switched on their terminals.
Lagging behind are some of the UK's major banks, including HSBC and First Direct, Lloyds Banking Group, TSB and Barclays Bank.
HSBC says that it will be online with Apple Pay in July, while Barclays tweeted that the service would be coming 'in the future'.
Barclays' excitement about the launch is a bit of a surprise since it appeared less than enthused about the arrival of Apple Pay on UK shores in the build up, launching its own range of wearables and jumping on board with the Zapp mobile commerce system from VocaLink.
Bank of Scotland, Halifax, Lloyds, TSB and Marks and Spencer, meanwhile, will not launch until the autumn.
The absence of some of the country's biggest banks has taken a bit of the shine off the launch, with Apple Pay being quietly released with none of the pizzazz that greeted its arrival in the US nine months ago.
The inevitable teething problems are also beginning to filter through: