Equivalent of Apple pay

Phones have the technology, it's down to Microsoft to implement. Yes, I think it should be done.
 
At the very Least Microsoft should tie into any app that allows for Payment in a store with NFC of a bar code scan. Like The TimmyMe app for Tim Horton here in Canada.

You can tie in your Timmy's Card and pay with your phone now. Bar Code Scan only but I hear they may be adding the NFC soon as most Tim's have NFC enabled Pay Terminals now. Also a Visa/Tim's NFC card.
 
Well, Google had it for two years (I think) with Google wallet and only recently with Apple implementing it the system gets some attention.

I really hope a standard for mobile-to-mobile payments gets implemented, like I type a sum of money on my smartphone, tap another (any OS) smartphone and I transfer money to that account.
 

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