In the US, there are any number of situations where you hand someone your credit card and it disappears from view. A drive through at McDonald’s is a perfect example. You drive up to the pay window, hand the cashier your card, it disappears from view, then comes back to you with a receipt. If you go to a higher end restaurant, you’ll get the check, lay your credit card on top, and watch your card disappear to be processed.

Apple Pay is changing that game. Now, when you roll up to the drive through, the cashier will hand you the portable NFC reader, you’ll tap your phone or Apple Watch, hear the confirmation beep, then hand it back. No credit card, no signing, no pin code.