NFC Times Exclusive: While the thought of more consumers tapping their phones to pay in stores is attracting the most attention with the launch of Apple Pay, it’s the prospect of users paying for purchases in mobile apps with Apple Pay that could be the real breakthrough, say representatives of Visa and MasterCard Worldwide. 

The two payment networks, along with American Express, are working with Apple to enable both the contactless-mobile payments and remote payments features for Apple Pay, which launched in the U.S. Oct. 20.