George Kopp and I went to Panera today for lunch and to try out Apple Pay. [The video is vertical because George thought it might get more of the transaction] This took a few extra seconds because I forgot to put my thumb on the Touch ID button. Had I done so it would have automatically used the first credit card in my Passbook app. As it was, I had to tap on my VISA card and then do Touch ID. I’m just not sure how paying for something is going to get easier/faster than this.

UPDATE: I stopped by Walgreen’s for a flu shot and on the way out picked up a bag of cookies to see if I could pay with Apple Pay. And, because nutrition is important to me, I swung by McDonald’s and got some fries. What I found most interesting is at both places, the person behind the counter had obviously never heard of Apple Pay. But when I passed my phone over the scanner, the registers made a happy beep and the transaction just happened. All the counter people did was enter the amount.

I see two possible futures for Apple Pay. (And I think we’ll know in six months) It will either be an unqualified success or it will go the way of the Amazon Phone, Microsoft’s Zune or Google’s Wallet. If it flops it will be because there was insufficient demand; retailers decided they didn’t want it (for reasons good and bad) and refused to make it an option; or some other combination of factors I’m not smart enough to see.

But it won’t be because people started getting their thumbs hacked off to fool TouchID or any other Mission Impossible bullshit.