Sometimes it pays to be first. While Verizon, AT&T, and T-Mobile are gearing up to launch Isis by late 2012, Google has a huge head start in the mobile payment race with Google Wallet. Launched this summer, the service lets you pay for items at thousands of participating merchants by just tapping your NFC-enabled phone to a compatible checkout device. Plus, Google was smart enough to roll in incentives to use Google Wallet instead of your leather and plastic, such as money-saving offers and the ability to rack up loyalty points. The only thing missing is more phones.