I do think mobile payments ARE overhyped. It's nothing that interesting or to write home about.
I think if anything else, apps like gopago are more interesting in that you can pay a store through your phone AND order through it. That's really changing the traditional process of buying something. NFC payments only intend to replace your credit card in your wallet, and in the end you're just showing off contactless payment, but it's still the same concept as swiping a card but instead you're tapping it.
Look, if apple DOES deploy NFC and it becomes a hit, what does that show? That Google failed miserably to deploy technology? I mean if it was THAT impressive with the Nexus S, why did the HTC Sensation and SGS2 flagship phones of 2011 lack it? And if it's that amazing now why are the HTC One X and SGS3 blocked from Google Wallet (at least the US ones). Worldwide, it seems no one even accepts Google Wallet payments.
Technological innovations are nice, but inventions come in left and right. It's execution in the end that matters. Google showed that it failed in execution with NFC and Google Wallet. In it's current implementation, it's an absolute disaster. So yes I'm right about it's something that people don't care about.
Maybe Apple can implement it better.
Edit: Also to see a post like this from someone whose avatar is an Android pissing on an apple...