I'm not doubting that ultimately this is the best way to go. My complaint is that it is too early for this to be the only way to go. I am with one of the banks you quote up thread. The reality is that they are always conservative with their roll-outs. You may have been fortunate enough to get a tag or sticker, but it is not the situation across the UK. As I have said, when I inquired I was told no I cannot jump the queue. Those unfortunate enough to have been issued cards earlier this year may face a 3 year wait. If this comes across as me stirring it, it isn't meant to be. As soon as saw the tap and charge thing, I thought yes I want to be in on that, but it's a no go. Perhaps you can issue prepaid cards that can be used with the terminals until such times as NFC credit cards or other devices are universal? The risk is that you actually create the opposite of what you are trying to achieve.