I just made my first Apple Pay transaction at Tim Hortons in Toronto. Very smooth – double press the home button on your locked phone. This has the double effect of unlocking the iPhone, and activating Passbook. Then simply hold over the merchant device to pay.

Despite the naysayers, it is actually easier than debit card tap to pay, because the phone is usually more accessible than debit card, and the activation levers the finger print authentication.

Now we just need more merchants in Canada to accept Apple Pay.