I have been practicing using Apple Pay by putting my credit card at the back of the phone LOL! I still think tapping with the credit card seems super convenient especially in places where phone signal isn't that great.

SPay is the best thing ever so far. Just that many merchants don't know and especially those who hide their terminals closer to the cashier will never let you put the phones nearby.

There is an instance where AP may not work for purchases above RM250 eventhough the PIN is entered.

If one were to make a purchase above RM250 at a jewelery store in MY (ex Poh Kong, etc), their terminal will reject your PIN even though it is correctly entered if no physical cc is present.