Another digital wallet is coming to the U.S. — but it's taking the scenic route.

Australia in particular is at the forefront of changes in the payments industry. Famously, its 2003 introduction of merchant surcharging for card payments is still referenced today by U.S. companies experimenting with the practice. It's also one of three countries that will get MasterCard's new MasterPass wallet before the U.S. does.

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