There are apps, like KeyRing, which I use. The problem is unless the merchant has an optical scanner (many are still on laser) they can't scan your phone. So no

There are apps, like KeyRing, which I use. The problem is unless the merchant has an optical scanner (many are still on laser) they can't scan your phone. So now you or the cashier has to type in a 12 digit number. If it's the cashier, you have to hand them your phone. It's annoying.