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For one, most outlets with contactless machines will limit you to spending £20, treating Apple Pay on an iPhone just like a standard contactless card.

When you can use the latter without having to press down on your smartphone’s home button in order to make a purchase, Apple Pay suddenly looks less alluring.

There are changes coming. That limit is set to rise to £30 in September. And new machines which allow higher value transactions are also set to come in over the next few months.

In fact, a string of shops and services are already offering the chance to spend big. These include Apple, Boots, H&M, Pret, Transport for London and London taxis.

Still, this needs to be far more wide–ranging for Apple Pay to enjoy anything more than novelty status in its first few months. It simply adds friction to low cost transactions at this point.

Where it will really come into its own is when you’re making big-ticket purchases.

Once that becomes standard practice (and with iPhone sales booming, it surely will), the need to take your wallet out will disappear.