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We just tap our credit cards against the terminal in Canada. No PIN, no signature, way faster than cash.

With Apple/Android Pay it's even faster, no need to dig around in your wallet.

There are two different ways of NFC payment. One is through NFC of your phone and another one is NFC directly in the card.

> Turns out they want me to install an app on my phone for this, which is definitely not going to happen.

Why not?

In my case, it would be that I trust my phone much less than a single-purpose card.