I'm pro ApplePay ( use it on my iPhone and Apple Watch) and I use Android Pay on my Nexus. I love the convenience and simplicity. Opening a separate app and scanning the QR code seemed like a pain, I and I still don't like the Walmart plan. However, I have no issue using the Starbucks app to pay for my coffee. Maybe it's the loyalty points I get at Starbucks that makes me go through the extra steps but I fee somewhat like a hypocrite for hating the QR code method of payment.