Can I use Apple Pay with any NFC terminal that accepts it?

Hi ..

Possibly > http://www.reddit.com/r/apple/comments/2js0je/can_anyone_explain_where_apple_pay _is_actually/

Most likely yes,

https://www.youtube.com/watch?v=ZPBYKW7Dq5g&list=UUvv2vYEtk7VSR5iE30WsNbQ

I seems to work with any pay service with NFC

Yes, any point of sale which supports NFC will allow Apple Pay.

I've used Apple Pay at Subway, McDonald's and CVS.

Here's more info on finding out which stores near you supports NFC: http://www.cultofmac.com/300364/find-stores-around-using-apple-pay/