I was reading Kohl’s Apple Pay deal illustrates why mobile wallet is a lot harder than it looks earlier, and some red flags immediately went up. The main issue seems to be the writer’s misunderstanding of how to use Apple Pay. It’s not true that you need to open the Wallet app; simply double-tap the home button (the one with the Touch ID sensor), select the card to use if you don’t want to use the default, then use Touch ID to authenticate and put your phone near the reader/terminal.

There are definitely good points in this article, and the EMV rules have taken some of the shine off of this experience. Even so, it’s a lot easier and faster than checking out at Target with their own store card.