Complicated and Convoluted
Complicated and convoluted are the current C-words.
According to The New York Times:
The problem is that under the terms of their MCX contractual agreement, they are not supposed to accept competing mobile payments products like Apple Pay, according to multiple retailers involved with MCX, who spoke on the condition of anonymity. If these retailers break their contracts, they will face steep fines for doing so, these people said.
Target who is a member of Merchant Customer Exchange (MCX) is not taking Apple Pay at its 1,801 stores in the United States and 133 stores in Canada. Interestingly, Target is taking Apple Pay as payment method in its iOS App.
Are those QR-codes?
CurrentC, a c-word, which is both complicated and convoluted.