Just a reminder of how far ahead this combo is in Japan compared to anything in the US:

Suica and Apple Pay is a perfect martini of fast cash and slow credit with the secret dash of always online mobile technology. Apple Pay Suica recharge completely removes the cash recharge docking requirement transforming Suica into a super slick card for transit and store purchases that uses the pokey credit card for occasional financial backing.

The mobile difference that removes the Suica cash recharge docking requirement makes all the difference. Purchasing or riding anything, anywhere, anytime is simply pulling iPhone out and holding it to the reader. It quickly becomes second nature.

From atadistance.net