Re/code put together a review team of four people, two on the east coast, two on the west coast, to put Apple Pay through its paces.

Our overall conclusion: Apple Pay worked smoothly and quickly in all but a very few instances. But the number of physical and online stores that accept it at launch is still very small. Plus, some common things slow it down, like the need for signatures and debit-card PINs in some stores, its lack of support for loyalty cards, and cashier confusion. So it’s far from a complete replacement for your wallet and credit card, at least not yet.

This simplistic conclusion is only skin deep. The real value of the review is watching Apple Pay at work, with a separate video for each team member. To get you started, here’s Katie Boehret from Washington, D.C.