Ok, I know I'm a few years too late for this but I just recently started trying Apple Pay and wow, is it incredible. It's so nice not to have to fumble through my wallet, find my card, worry about if the card reader takes chips and has to be inserted or doesn't and has to be slid instead, then wait for it to process, then if it needs a pin, enter that, and wait even longer. Apple Pay is soooo nice. Just have the Wallet app open, put your phone near the reader, and it's instantly done. No fumbling, no waiting, no entering pins, no asking for ID, just instantly done. I really hope this continues to expand to more and more merchants, because it truly is so much better than dealing with a physical debit/credit card or cash. Also, if you haven't tried it yet, please do. Don't keep missing out on it like I have been.