Apple Pay will begin working at select stores starting Monday, according to Apple chief executive Tim Cook.

Cook mentioned that there are hundreds of retail and banking locations that will accept the payment service. Just who will take Apple Pay and how will it work remains the questions to be asked.

According to Apple's website, Apple Pay will be a seemless way to conduct business. No longer will users have to go into an app or ready their phone for payments. They will simply be able to tap their phone to a Near Field Communications receiver or terminal and the transaction will be completed.

An example of how things will change would be at McDonald's. Customers will be able to order their food, receive the total from the cashier and simply tap their phone on the terminal to pay.

Other stores participating NOW:

  • Aeropostale
  • Apple
  • Babies R Us
  • BJ's
  • Bloomingdales
  • Champs Sports
  • Chevron
  • Duane Reade
  • Extra Mile
  • Foot Locker, Foot Locker for Kids, House of Hoops (by Foot Locker), Lady Footlocker
  • FootAction
  • Macy's
  • McDonald's
  • Nike
  • Office Depot
  • Panera Bread
  • Petco
  • Radioshack
  • Sports Authority
  • Subway
  • Texaco
  • Toys R Us
  • Unleashed
  • Walgreens
  • Wegmans
  • Whole Foods

Users will also be able to use their apps that currently process transactions with Apple Pay. Those apps include:

  • AirBnB
  • Apple
  • Chairish
  • Disney Store
  • Fancy
  • GroupOn
  • Hotel Tonight
  • Houzz
  • Instacart
  • Lyft
  • MLB.com
  • OpenTable
  • Panera Bread
  • Spring
  • Spring NYC
  • Staples
  • Target
  • Tickets.com
  • Uber

More apps and stores will be added later, but this is a pretty good list of merchants for Apple to get started with. Does Google respond? Stay tuned.

What do you think of the list of merchants that Apple has secured so far for Apple Pay? Are these places that you frequent? Leave us a message and let us know in the comments section below.