Cuscal chief executive Craig Kennedy said it was a simple decision for the payment services provider to press ahead with its agreement with Apple to make Apple Pay available to its clients, despite the uncertainty created by the application by a group of banks to the Australian Competition and Consumer Commission to negotiate collectively with Apple.Kennedy said Cuscal's clients made it clear that they wanted to be able to offer Apple Pay to their customers.Those clients include 31 financial institutions that started offering Apple Pay to customers yesterday.The chief executive of People's Choice Credit Union, Steve Laidlaw, said 177,000 of the credit union's 440,000 members have its smartphone app. Fifty-eight per cent of them are iPhone users.People's Choice launched Android Pay in July. Since then 1000 members have taken it up and made 10,000 transactions.Laidlaw said the take-up was about what he expected, describing it as a "slow burn".He expects much the same with Apple Pay, which People's Choice started offering to members yesterday."We think that over time mobile wallets will be the preferred way of making payments. Mobile banking is growing all the time," he said."We added 25,000 new members last year and 75 per cent of them were under 30. Millennials are very focused on the digital offering." One of the issues raised in the banks' application to the ACCC is whether issuers have the right to pass on Apple's transaction charges to their customers.If the banks are able to use their collective weight to overcome Apple's "no pass-though" restriction, it would have a material impact on the economics of offering Apple Pay.Kennedy said: "We went into this with our eyes open. There is some flexibility."Laidlaw said: "If we were not happy with Apple's terms we would not have gone down that path. We would not pass on the fees anyway."Another institution that started offering Apple Pay yesterday was Teachers Mutual Bank. Teachers chief executive Steve James said the uptake of Android Pay, which was launched in July, has been a little slower than anticipated, with 1500 members out of 185,000 signing up.However, 75 per cent of the bank's online banking customers use an Apple device, which suggests that take-up of Apple Pay will be bigger.James said around 75 per cent of Teachers members use mobile banking.He said he did not concern himself too much with the ACCC review. "We knew our membership was looking for fast, efficient payment services."One of the main issues raised by the banks in their ACCC applications was a concern that Apple's iPhone is set up in such a way that the only application that can have access to the NFC chip in the phone is Apple Pay.Kennedy said Cuscal's arrangement with Apple over access was standard.