Westpac has promised to have Apple Pay ready for its retail customers by June 2020. If achieved, this would rank Australia's second largest retail bank at about number 100 in terms of speed to market.As a sweetener, Apple Pay will be available from now on for the rest of Westpac Group's multi-brand 'family'. St George, BankSA and Bank of Melbourne customers with an eligible Visa debit or credit card will be able use the iPhone based payments platform immediately.Apple Pay launched in Australia in late 2015. ANZ was the first major bank to offer the Apple Pay platform to its customers in 2016, and over the next three years dozens more banks signed up, including the other major banks.Even with its limited acceptance, Westpac has fallen further behind, as Sally Tindall, research director at comparison site RateCity.com.au, observed: "Even some smaller banks and card issuers have competed fiercely in this field, offering up the three main platforms [Apple Pay, Google Pay and Samsung Pay] to their customers," she said."By dragging the chain on Apple Pay technology, Westpac was jeopardising some of the bank's existing customers, and potential new ones."And despite assertions by Westpac, there are a lot of unhappy customers at Westpac, with several change.org pages devoted to pressuring the bank to add Apple Pay to its suite of products.