Canada is at the forefront of contactless payments. Most Canadians had a contactless physical credit card before Apple Pay came to Canada. Because of that, most

Canada is at the forefront of contactless payments. Most Canadians had a contactless physical credit card before Apple Pay came to Canada. Because of that, most people in Canada don't bother to set up their phone; they just swipe their physical card, no pin or signature needed for lower amounts.