I use my Watch, which is almost always simpler even without a mask. However, you should be able to hurry it along to prompt for a password. Apple doesn’t make

I use my Watch, which is almost always simpler even without a mask. However, you should be able to hurry it along to prompt for a password. Apple doesn’t make it easily discoverable, but if you tap on the status message when it’s trying to decide whether it recognizes you, it will prompt you for a password instead (while logging in, and I imagine during Apple Pay as well).