I've been using NFC to pay without issue at a ton of places since 2012, first using my Samsung S3, now on my Moto X (Walgreens, Sports Authority, McD's, Hess, ShopRite to name a few). Many more places since since Apple got into the game.
Other than CVS, which disabled theirs, I haven't had any trouble. In their case, I just switched all my prescriptions to Walgreen's so I can tap and pay again with no problem. In NYC, a **lot** more places have it now, some without even realizing it. Just look for where there's an iPad attached to a PIN pad. If you see the "wifi" sign show up on the PIN reader, they have Apple Pay/Android Pay.
It really isn't any harder than dragging out my card, but I find it a lot more convenient when I don't have to do that.