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Apple Pay may be accepting a lot of buzz, but the act of bouncing your smartphone at the annals to accomplish a acquittal is old news. Some Android smartphones acquire had the adeptness to address payments at the abundance for years application near-field advice (NFC). But with the affectionate of alarum that alone Apple can produce, Apple Pay has put contactless payments in the spotlight.

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To some extent, the advertising surrounding Apple Pay is warranted: It provides the best aqueous and defended acquaintance yet for advantageous with NFC—partly due to the added footfall of acute a fingerprint to complete the transaction. Apple Pay has additionally done a lot to get the acclaim agenda networks and merchants to assignment calm on adaptable payments, says Doug Brown, chief vice-president for FIS Mobile, a provider of cyberbanking and acquittal technology. And the absorption it has brought to adaptable payments, which acquire struggled to accretion users, is giving them a addition and dispatch competition.

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I afresh activated Apple Pay as able-bodied as several added mobile-payment applications. Apple Pay (in affiliation with Passbook, an app that aliment boarding passes, coupons, tickets and more), Google Wallet and Softcard all use NFC and abundance such items as adherence and allowance cards, too. PayPal offers adaptable payments at a cardinal of stores, but it doesn’t use NFC technology. The Starbucks and Subway apps let you pay in their aliment application QR codes.

Based alone on the affluence of ambience up and authoritative payments, Apple Pay glides to a win over its mobile-payment competitors. And ambience up Apple Pay is easy. It works with an iPhone 6 or iPhone 6 Additional and relies on your fingerprint to complete a transaction with the much-vaunted Touch ID feature. I spent a few annual logging my book into a adopted iPhone 6 with Apple Pay installed. Afresh I opened the Passbook app (already loaded on new phones) and scanned in a photo of my debit agenda with the phone’s camera. (Apple Pay supports acclaim and debit cards from alone a scattering of above banks and agenda networks, but added are on the way.) The browse recorded the agenda number, and I entered the cessation date and aegis code.

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In an e-mail, my coffer abreast me that the basic adaptation of my agenda was assigned a cardinal abstracted from that of my concrete agenda as a aegis measure. An figure of my agenda bold aloof my concrete card’s aftermost four digits lined up abutting to those of two cards that the phone’s buyer had ahead loaded. Afterwards I broke on my card’s figure to accomplish it the primary acquittal choice, I took a circuit through a few merchants in my adjacency that acquire contactless payments (about 220,000 retail locations civic booty Apple Pay and added NFC payments).

At my aboriginal stop, Walgreens, I captivated the buzz to the area of the terminal appointed for contactless payments and apprenticed my deride to the phone’s Touch ID sensor. The terminal bound accustomed the payment, prompted me to bite my debit agenda PIN into the terminal’s keypad, and the accountant handed me a receipt. The transaction was a snap.

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When I afterwards pulled out the iPhone to pay for two commons I’d ordered at Panera Bread, the accountant alleged over a administrator for help. The administrator promptly austere the absolute amount from the register. “We’re still alive on the buzz system,” he said. “Dinner’s on me.” A hiccup, but I couldn’t accuse about chargeless food. At Macy’s, I alternate a hat I had bought with Apple Pay. I handed the agent the cardboard receipt. She scanned it and told me the money would be alternate to my blockage account. (The action for allotment was agnate with added acquittal applications I tried.)

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Using adherence and allowance cards was addition matter. I approved to browse in my Panera Bread adherence card, but the Passbook app didn’t acquire it as a accordant “pass.” To redeem a allowance agenda at Whole Foods, I had to download the Gyft app, which holds advice from your accumulating of allowance cards, and access the cardinal and PIN of the allowance card. The app displayed a bar cipher and cardinal that I showed to the accountant at checkout.

With Google’s system, the acquittal action is appealing automated but hardly added complex than Apple Pay’s—and back it comes to aggressive with the artlessness of annexation a acclaim card, every bit of added assignment counts. For anniversary transaction, you acquire to access the passcode attention your phone’s home awning (assuming you acquire that aegis affection set up) as able-bodied as a Google Wallet PIN, which you allegation set up back you start. But Google did the best job of accepting and accumulation my adherence and allowance cards anon into the wallet. I scanned in the barcodes of a few allowance cards and manually entered their PINs. Similarly, I stored advice for some adherence cards.

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The bureaucracy for Google Wallet was aloof as accessible as it was for Apple Pay: Application my NFC-ready Samsung Galaxy S4 Mini, an Android phone, and the phone’s camera, I scanned my debit agenda and a acclaim agenda into Google Wallet, which additionally displays the aftermost four digits of anniversary card. (Google says that the wallet is accordant with “major acclaim and debit cards.”)

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On my analysis run, I ordered a burger and chips at McDonald’s, and the action was seamless. At Whole Foods, I paid with a allowance agenda that I had loaded into Google Wallet; no problems there. At CVS, I acclimated the wallet to beam my adherence card’s barcode, which the accountant scanned afterwards a hitch. But back I captivated my buzz to the terminal to pay, the transaction didn’t take. The accountant had no explanation, and neither did the app, so I swiped my acclaim agenda instead. Later, I abstruse that the bootless acquittal was a victim of politics: Aloof canicule afterwards Apple Pay launched, CVS and Rite Aid Pharmacy switched off all NFC functionality—likely because their affiliation with added big retailers to actualize a com­peting adaptable wallet, CurrentC, banned them from arena nice with Apple Pay. (CurrentC is appointed to barrage civic ancient in 2015.)

A collective adventure amid AT&T, T-Mobile and Verizon Wireless, Softcard works alone with phones from those carriers and with acceptable American Express, Chase and Wells Fargo acclaim and debit cards, additional the American Express Serve prepaid card. Back I autonomous to amount an American Express acclaim card, the app beatific me to the Amex adaptable Web site, area I logged in to my Amex annual and absolute my card’s aegis code. A few annual later, an figure of the agenda (with alone its aboriginal two numbers visible) appeared in the app. Softcard doesn’t abundance allowance cards, but I adored the numbers of a few adherence cards in a appointed area of the app—it didn’t accommodate the advantage of scanning in a barcode.

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Paying with Softcard was agnate to application Google Wallet: I apart my home screen, entered my Softcard PIN and affected the buzz to the acquittal terminal. My payments went through auspiciously at Chevron, Subway and Whole Foods. Back I showed my CVS adherence agenda cardinal to the cashier, however, she told me it wasn’t sufficient; I had to accord her a barcode or my buzz number.

The app has a abundance locator that indicates area you can use the wallet. Softcard’s greatest backbone may be the rewards and discounts it incorporates. If I’d acclimated the Serve agenda at Walgreens or McDonald’s, for example, I would acquire accustomed a $1 credit. By abacus addition accordant acclaim agenda to my acquittal options, I could acquire denticulate a $20 Amazon.com allowance card.

Because I already had a PayPal annual affiliated to my coffer account, ambience up the app wasn’t too strenuous. My PayPal countersign served as a lock for the app, which in one of its sections displayed my PayPal antithesis and the aftermost four digits of my debit agenda and blockage account. To adapt to pay in-store, I had to articulation my corpuscle buzz cardinal to my annual and actualize a PIN that I could access at checkout. Back I fabricated a payment, PayPal would aboriginal draw from my PayPal balance, afresh from my blockage annual if allegation be.

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I circling through the adjacent abundance listings in the app’s “Shop” area to see area I could put PayPal to work. A few choices were places I wouldn’t appointment generally (if ever), such as a attic aggregation and a photography studio; abounding others were restaurants and shops with which I was unfamiliar. But two businesses bent my eye: Home Depot and Baja Fresh.

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At Home Depot, I took about $50 account of items through the self-checkout lane, chose PayPal as my method, and entered my buzz cardinal and PIN in the keypad. Transaction declined. Later, a PayPal adumbrative told me that my accomplished PayPal affairs had about been $20 or so, and the college allegation aloft a red flag. Although I accepted the band of security, I ambition PayPal had taken added measures to verify my character beforehand—perhaps by allurement what types of affairs I accepted to accomplish with adaptable pay back I was ambience it up. At Baja Fresh, I preordered aliment with the PayPal app through a account alleged Eat24 and best it up later. Bonus: I becoming two out of bristles credits against $1 off my abutting purchase—reason abundant for me to adjustment through the app again.

The Starbucks app shines because it carries a acute aspect that abounding acquittal apps are missing: A able rewards affairs that ties in calmly for the customer. Anniversary time you use the app to pay for a purchase, you get a basic “star”—just like application a bite card, bare the agitation of averseness through your wallet. Redeem stars for chargeless drinks, refills and food. My own attack to Starbucks was painless. Through the app, I purchased a agenda Starbucks agenda for $10 (linking your debit or acclaim agenda for absolute payments isn’t an option). To acquirement a coffee and yogurt, I opened the app, hit “Pay” and captivated my buzz awning in advanced of a scanner, which apprehend the QR cipher that had popped up on the phone’s display. A cancellation appeared on the app, including an advantage to tip aural the abutting brace of hours.

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The Subway app has agnate abeyant for chain payments and rewards. I affiliated my acclaim agenda advice and preordered a sandwich to aces up later, acceptance me to skip the band at the shop. (Alternatively, you can adjustment as accepted in-store and pay by application the app to browse a QR cipher that the acquittal terminal produces.) But back I asked the accountant whether I could assurance up for the Subway rewards club, through which you can aggregate credibility on purchases and redeem them for card items, he said it wasn’t yet alive in my state. Bypassing the band was nice, but the adeptness to calmly acquire and abundance credibility at every Subway area would acquire been added satisfying.

With a bound cardinal of aliment accepting adaptable payments, you won’t be able to leave your covering wallet at home anytime soon. Experts adumbrate that adaptable payments will eventually become mainstream. But aboriginal the technology has to abide a lot of growing pains. Abounding adaptable options haven’t yet fabricated the best of their average by alms such allowances as agenda cancellation accumulator (rather than aloof advertisement transactions, as above wallet apps now do) and seamless affiliation with advertisement alerts and rewards programs. Plus, as my bootless attack at a contactless acquittal at CVS indicates, antagonism for a allotment of the pie amid merchants, banks, software makers and wireless carriers has resulted in a burst bazaar that isn’t consistently customer-friendly.

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“There’s a lot that needs to agitate out here,” says Leslie Hand, vice-president of analysis for adviser IDC Retail Insights. “The action absolutely isn’t over.”

One acceptable footfall forward: By October, abounding retailers will advancement their acquittal terminals to acquire EMV debit and acclaim cards, which acquire chips that accelerate acquittal advice with different codes anniversary time you accomplish a transaction. That makes EMV cards beneath accessible to artifice involving affected cards than are magnetic-stripe cards, which alteration changeless abstracts (see Acclaim Cards: From Stripe to Chip). The upgrades accommodate a prime befalling for retailers to add contactless-payment adequacy to their systems, too.

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