Apps are awful.
I went to pay in the shop recently and couldn't, there was no phone signal. I mumbled a lot.
Android has been shit, the iPhone comes today so I wiped the Samsung. Went to pay for fuel with a card - it wanted inserting and the PIN entered. How the flip do I do that? I've been paying with a phone since forever, I don't know my PIN. I don't know any of my PINs now - and if I needed them I looked them up on the respective app. But the phone has been wiped. All my cards wanted inserting.
Fortunately a real life person took pity on me paid for my petrol.
I'm tempted to go back to using cards and not bothering with Applepay.