I find Apple Pay more convenient that using a credit card because I usually have my phone more quickly accessible to hand than a credit card. The transaction se

I find Apple Pay more convenient that using a credit card because I usually have my phone more quickly accessible to hand than a credit card. The transaction seems to complete faster as well. That said, facial recognition to pay is a huge step backward. The phone has be held just the right way, the side button double-clicked, and you have to look directly at it... and even then it does not work 100% of the time! The fingerprint reader was way better for paying.