I wonder about that every time I see an ad for Apple Pay or some other payment app. Contactless is rapidly becoming the default, so how do you compete with it?

I wonder about that every time I see an ad for Apple Pay or some other payment app. Contactless is rapidly becoming the default, so how do you compete with it? Apple Pay doesn't really compete with Contactless - they are the same thing! Any merchant that accepts contactless therefore accepts Apple Pay as well, whether they advertise it or not. (Here in the UK, at least) Apple Pay is a bit more secure because transactions are authenticated with your fingerprint via Touch ID, and the merchant gets a special device card number rather than your real card number. But as far as the payment terminal knows it's just like any regular contactless card. Whether it's more convenient to take your contactless card out of your pocket/wallet, or use an Apple Pay device is a matter for debate. I find that I usually already have my phone in my hand while standing in a checkout line, so I pay with that rather than fumbling for my card.