US vs UK NFC payments.

So I know there are various methods of NFC payments in the US. Namely ISIS and Google Wallet. Sadly we have neither in the UK. Right now we only have "Cash On Tap" from EE for NFC payments. However Zapp is coming next year which will serve 5 of the larger banks directly. You can pay using QR codes in some places with any phone on the Paypal app or pay for a Starbucks with their app.

I have and use the EE Cash On Tap service which is essentially a service that you pay money into, so I have to top up when it runs out of money. Does anyone else regularly use NFC payments? if so, what services and how are they similar/different to EE's service?