The watch is on my wrist, or the phone is already in my hand. The credit card is buried in a wallet that needs to be taken out of and put back into a pocket.

Also “unlocking” isn’t an inconvenient step, on iPhone it just happens automatically. As it should on android if the fingerprint sensor is in a convenient location.

Umm, assuming you have the same opinion as grandparent comment, you don't want google tracking your payments but you'll happily trust google's pinky promise about your fingerprint being stored only on the phone?

I’m not commenting on the security/privacy. Only the convenience. And I find tap to pay extraordinarily convenient - a significant upgrade over the plastic card.

Strapping your card to your phone in one of those magnetic card wallets seems to achieve the same level of convenience, or close, and avoids all of the downsides of running a Googled system.

I personally find using a plastic card more convenient than fumbling for my phone and unlocking it (I don't use biometric unlocking as it's not protected by the 5th.) It's also easier to go somewhere without a phone (yes, it's possible) when you have a card on hand.

> The credit card is buried in a wallet that needs to be taken out of and put back into a pocket.

It's a good work-out. Almost as tough as pouring a can of soda into a glass. You'll feel the difference after just a week!

Im on graphene right now and this was an issue, but a ten dollar sticky card wallet on the back of the phone made it identical.

Ease of use is, unfortunately, exactly what Apple and Google request your data for in exchange.

There are wallets like ridge that I use for NFC with card, there’re also phone cases with card holders. It’s not like there’s no solution to this problem..