None of the Apex variants can do LF. They do have the capability to support payment the moment MasterCard or Visa authorize it. Anyone with the implant currently already has the applets loaded and keyed. Unfortunately we don’t know when/if that is.
The Walletmor version available for the US market should not be used currently, because the company Purewrist misrepresented their chips and they all expire in July 2023. I’m still waiting to get my CoM conversion back from Amal, but if that continues to work as expected that will be an option in the US for payment implants. This thread has details. You need a specific kind of card that is available at multiple banks like Chase for example.