> have to fiddle aroudn to start payment app This isn't really a thing with Apple Pay. You double tap the power button as you grab your phone, then Apple Pay i

> have to fiddle aroudn to start payment app This isn't really a thing with Apple Pay. You double tap the power button as you grab your phone, then Apple Pay is active (pending face id or unlock via watch), it's a very smooth process. On top of that, in my experience, tap to pay (via card or phone) is much quicker to process than swiping or inserting chip.