Ahhh. Thanks for your comment. I believe in the USA you pay by debit/credit card by signing a strange little form. In olden times we used to do the same. In Europe and other countries we just put our debit card into a electronic device and key in a 4digit number. Its quick, and easy. But Apple pay will be great for small amounts as probably like you I don't like contactless( I assume you have it) that we use for amounts under £20.
In the future apple pay may take over for large amounts as well.
In the future apple pay may take over for large amounts as well.