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Comment by elyobo | Hacker News Reader

I don't really understand how whipping out your phone is harder than whipping out your card even if you don't have a watch. In my case I gave up carrying the cards at all a few years back and pay for everything on my phone anyway; the convenience of not needing a wallet or any cards at all is high.

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The steps to pay with Apple Pay are you have to take out your phone, double click the button on the side, confirm you want to pay, have it scan your face or do a fingerprint scan, then hold the phone waiting for it to confirm "client side" - plus Apple Pay isn't as widely supported as the "tap to pay" method which has a simple logo you can look for without having to discuss it with the cashier.

Whipping out a much smaller, lighter rectangle and simply tapping it on the reader and putting it back in your pocket takes less than a second

I thought that Apple Pay is always accepted at the same places where you can tap to pay. Is there a difference? This mentions it can be used anywhere that the contactless payments symbol is.

https://support.apple.com/en-lamr/guide/iphone/iphbd4cf42b4/...

No authentication and you’re holding out a lighter object. If the NFC terminal is further back on the counter the cashier is more comfortable taking your card and tapping it.

(I love paying via watch but I think it’s good that most cards now do the same.)

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