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It has been a good few months for Apple. The company sold record numbers of its new generation of iPhones. It announced a new line of iPads. But the hottest Apple debut right now is Apple Pay. 聽

Apple Pay was launched on Oct. 20, and within three days, 1 million credit cards were already activated, said Tim Cook, Apple's chief executive, at a tech conference in Laguna Beach, Calif. He said more people are using Apple Pay than all of the other mobile payment systems combined.

Apple Pay is a mobile payment system. Using an iPhone 6 or 6 Plus, customers enter credit card information and then use their phones to make payments at stores. Apple Pay is already accepted at聽220,000 store locations, including Whole Foods, Walgreens, McDonald's, Macy's, and Nike, and more retailers are expected to join.聽

"It's sort of that 'ahh' moment 鈥� you use the phone and it's all you have to do," Mr.聽Cook said at the conference,聽 to The Verge.

Apple聽hasn't released further data on Apple Pay, but on the product's first day, Avin Arumugam, digital executive director for Chase bank聽Bloomberg聽that seven times more people connected their credit card to Apple Pay than signed up for a new credit card.

If Apple Pay continues to gain popularity with customers and retailers, more users could switch to an iPhone, and the mobile payment market could go from $12.8 billion in 2012 to $90 billion in 2017, according to Forester Research.聽

Other companies have tried unsuccessfully to enter the mobile pay market. Google, PayPal, Verizon, and AT&T have all tried to get customers to pay for goods with their phones, but the systems never gained popularity. With Apple's initial success, many believe Apple Pay could become the most widely used mobile payment system.聽

鈥淎pple actually has a really good shot at being successful here because they鈥檝e solved a lot of fundamental issues that others haven鈥檛 in the past,"聽Patrick Moorhead, president of Moor Insights & Strategy,聽 The New York Times.聽"In particular, the user experience issue. It鈥檚 simple, easy, and secure to use.鈥�

Though Apple Pay is popular with customers, some businesses have rejected the technology. Merchant Customer Exchange聽(MCX), merchant-owned mobile payment company,聽has chosen not to use Apple's system. Over the weekend,聽CVS and Rite Aid, both MCX members, disabled Apple Pay from all of their stores. The move also disables Google Wallet and Softcard because they use the same wireless technology.聽Market analysts said that CVS and Rite Aid's decision to disable Apple Pay was a move in favor of their own system.聽

MCX is working on mobile payment software, called CurrentC,聽to use at its stores. The group says聽CurrentC will be linked to a consumer鈥檚 debit account. Since the system聽doesn't use credit cards,聽retailers won't pay fees per transaction. But the system isn't fully developed yet.聽

Spokespeople for CVS and Rite Aid CNN that they are still "evaluating mobile payment options."

Best Buy and Walmart are both MCX members and they have chosen never to accept Apple Pay.聽

In a statement to Business Insider a Walmart spokesperson wrote:

There are certainly a lot of compelling technologies being developed, which is great for the mobile-commerce industry as a whole.聽Ultimately, what matters is that consumers have a payment option that is widely accepted, secure, and developed with their best interests in mind.聽MCX member merchants already collectively serve a majority of Americans every day. MCX鈥檚 members believe merchants are in the best position to provide a mobile solution because of their deep insights into their customers鈥� shopping and buying experiences.

鈥淐learly Rite Aid and CVS are making a business decision over a customer satisfaction decision,鈥� Mr. Moorhead told the Times.

At the conference on Monday, Cook answered a聽question about聽retailers who are聽reluctant to use Apple Pay: 鈥淚n the long arc of time, you鈥檙e only relevant as a retailer and merchant if your customers love you."