Everytime I've ever worked with Bluetooth as a user or a developer, it has always takes a little bit to pair before any data transfer can go. NFC can start data

Everytime I've ever worked with Bluetooth as a user or a developer, it has always takes a little bit to pair before any data transfer can go. NFC can start data transfer immediately. Am I missing something from Bluetooth 4.0 that can allow a transfer to start-up instantly? I feel like Bluetooth would be a really slow and hacky solution for payment not to mention it'll be open to attacks from anything with a Bluetooth device.