CurrentC (CMX)
Biggest problems (besides being late to the game) for CMX ("CurrentC") are:
-- they are trying to keep track of users buying patterns and data, storing this information in one place, a "cloud vault" of all things. One stop shopping for crackers plus the customer is persecuted by ads 24x7;
-- they are trying to save merchant's some cash by refusing (except in limited cases) to use credit cards, instead direct linking to checking accounts and/or debit cards. In America, this means there either is no fraud protection (checking account) or restricted fraud protection (debit cards, 3 day notification). Combined with saving all information in a "cloud vault" there are obvious problems, since American companies seem completely unable to keep customer data secret.
CMX also strives to use the same terminals as card swipers (QR like readers from hand wands), which seems to somewhat reduce ease of use, I am not sure how they intend to exchange the value of the purchase for tokenizing. Without tokenizing, the whole scheme is not as useful as EMV, so there isn't any point for a customer (although the merchant saves by shifting fraud onto the customer, and telling the customer they'll get all those juicy free coupons from having purchases tracked everywhere).
I favor Apple Pay, not perfect but so far a better combination of ease of use and security than the alternatives. Security must be at least decent on an iPhone since the American feds have gone hysterical on how the iPhone6 will destroy life as we know it due to encryption. They don't say anything about Androids...