Apple Pay Expected to Launch in Belgium Tomorrow

All the better to buy chocolate with.

Sorry to inform you, but if you think you'll never need to carry your bankcards with you anymore, you'll be sorely disappointed.

For starters, many places won't take it. Secondly, every few translations the banks will often decline the transaction, and you have to use your card+pin to make the purchase.
And finally, some places still only allow up to a certain maximum amount for contactless device usage (a complete pain in the backside, but most lift this needless limit eventually).

May I ask you where you find this code, probably a plist somewhere.
(You were right, also in KZ

But the retailer still tracks your transactions, but not with AP.

Also, banks are becoming much tougher on misuse, so many won't instantly pay without tracking where/how the fraud happened.

Additionally, more security should be praised not left to "don't care, banks will pay me back anyway" simpleton philosophy.
Fraud costs us all money directly or indirectly, and cancelling cards/accounts, identity fraud, mentally take their toll, too. Have it happen to you, and you won't be taking it so casually, when various things you take for granted don't happen correctly.