Not necessarily - for some stores, such as Walgreens (a US drugstore chain), the checkout flows look something like this: Credit card: 1. Enter phone number (

Not necessarily - for some stores, such as Walgreens (a US drugstore chain), the checkout flows look something like this: Credit card: 1. Enter phone number (for loyalty card lookup) 2. Select "credit card" 3. Swipe card 4. Answer question about making a donation 5. Confirm credit amount 6. Sign 7. Confirm (This is from memory, but it is roughly correct - I actually fear I may have forgotten a step or two) Apple Pay: 1. Enter phone number (for loyalty card lookup) 2. Wake iPhone and bring near POS terminal 3. Place finger on home button until it buzzes (~1 second) The flow for Apple Pay could be a little longer if you need to select a different card, but it is still both far faster and far simpler than the regular credit card flow.