I went to McDonalds tonight with my iPhone 6 Plus, and tried Apple Pay. Just for information, I have a Chase Visa debit card linked to a checking account. When I ordered, I had the phone asleep- screen completely dark. When she announced the total, I said, "Ok, let's give this a try." I laid my finger on top of the home button ( did not push the button), and held the phone an inch or so over the payment terminal. From the dark screen a check mark appeared, and a slight tone sounded. I asked the clerk if the transaction went through, and she said yes. That's it! Worked the first time. I didn't have to wake up the phone, I didn't have to open any app, I didn't have to enter any PIN number, I didn't even have to look at the payment terminal screen. It just worked, exactly like in the Apple video. I am amazed and awed! Good job Apple!!