When done right (with chip&pin cards and notifying when the hold is placed not on final settlement), the notification is instant (as in, usually before the term

When done right (with chip&pin cards and notifying when the hold is placed not on final settlement), the notification is instant (as in, usually before the terminal even shows the transaction as approved, but sometimes a few seconds later). If the phone chimes when you're paying, you'll rightfully ignore it. If the phone chimes at any other time, you'll check.