Beyond that they’re all a bit of a faff on a mobile compared to just tapping a contactless card
this is where Apple have got it dialed. Because…
So do you need to open an app to pay?
No
You just get your phone out of your pocket and hold it over the NFC terminal with your finger on the touch ID button. Done. No need to even unlock the phone, let alone open any apps. You just get a gentle vibration to tell you it’s all happened.
I know there are haters but this is where Apple’s approach realy pays back. Hardware and software working in perfect harmony to give the user a very nice, simple, useable experience.
Contrast that with the main competitor in Samsung/Google and you have an uneasy union. Samsung have been putting NFC chips in their phones for years to out spec an iPhone, Google have been trying to crack mobile payments for years to out feature iOS, but they still haven’t been able to impliment a system that is simpler than using a plastic card in your wallet.