The lockin is at the charger level. Fill up with petrol? Drive up, tap your card, fill up. At some places you fill up then go into the shop and tap your card.

Electric? Drive up, work out which of the dozen of apps there are, try to download it, hold your phone in the other hand to try to get a signal, finally download it, then register, sell your personal data, then finally you can try to work out how to charge your car.