... unless you happen to live in a country where you need to type your PIN with the keyboard which has been used by approximately 1,073 people before you after the last cleaning. To avoid that you want to use NFC, but that often has an upper limit of around 50 currency units. And at that point the only viable payment method is Apple Pay because it does not require you to touch the keyboard in any circumstances.I was always happy with face ID until COVID and masks. After a year now of wearing a mask in public I hate face ID. Might as well not have any biometric ID system since I have to enter my pass code every time I use the phone. And I've quit using Apple Pay entirely since it is just easier and faster to pull the card out of my wallet and stick it in the reader.
That is why I have only used Apple Pay during the last year. Works great but requires the password with masks.