When using Apple Pay at my grocery store, if I wait until the cashier is done scanning my items, it takes 4 seconds from when I tap to having the receipt come o

When using Apple Pay at my grocery store, if I wait until the cashier is done scanning my items, it takes 4 seconds from when I tap to having the receipt come out. I can tap at any time during the transaction, and the process is nearly instantaneous. There is absolutely no way cash is faster than this. As far as the cost of credit card rewards, the cost of managing cash for retail businesses is about 1.3% (cite http://www.telegraph.co.uk/finance/newsbysector/banksandfinance/6968143/Is-a-cashless-society-on-the-cards.html http://www.telegraph.co.uk/finance/newsbysector/banksandfina...) but I honestly suspect that doesn't take into account cash shrinkage (theft). At 2-3% for credit cards, it's not a huge difference. I spend way more when I use my credit card then when I (grudgingly) use cash, so I suspect retail stores come ahead overall by taking credit over cash.