My experience with Apple Pay so far
First, the setup was fairly simple, with setting up addresses being the only confusing part. After it recognized my card, it showed city and state, but that was it. I went in and manually entered my entire address for both billing and shipping (surprised I didn't see a checkbox to say "Same as billing"). Then, a day later, I received an email from my bank regarding what 4-digit number to use if a cashier asks for the last four digits (it is different than my actual card, and is tied to my device). Ok.... I think I can do this.
I tried finding a place for the past three days to use it. I went to two Subways and a Chevron station with Extra Mile. They did not have terminals with receivers.
I finally found a place to use it today. Used it at another Chevron with Extra Mile. First time, it didn't work. It said to enter a code on my phone, but it closed before I could do anything. I put it towards the terminal again, and it worked.
HOWEVER, the terminal DID prompt me to push its button for debit or credit. I chose credit. Then, it was complete.
I'm not seeing how this is easier, better or faster than using my card.