I used Apple Pay for the first time at a Sports Authority here in the US. The process was: 1) Hold phone up to the POS terminal until it says done 2) when terminal prompts for PIN, press 'Cancel' button 3) press the 'Info' button on the phone's screen to display the device account number of the card being used, and show it to the store clerk for verification 4) sign on the POS terminal Apparently showing the store clerk the device account number is 'for my security', but the whole thing rather makes a joke of having Touch ID to authenticate my identity. And why is my signature needed too? When I went to McDonald's, I just held the phone over the scanner and was done. Based on my experience so far, contactless payment is really no different to getting out a card to pay - all the benefit is in the fraud protection for the banks (and a cut for Apple).