Comment Only used it when they paid me (Score 5, Insightful) 186
Last year, Softcard bribed me - cash, Amazon gift cards, etc. to use their service.
This year, they stopped, and I went back to swiping my credit card.
The problem is that Softcard payment requires more steps than you think:
1) Unlock phone
2) Open app
3) Type in 4-digit pin (why can't I use my fingerprint?)
4) Tap
Also, the tap is not as easy as you think. The first time you do it like the video, it probably won't work. On my S5, the sweet spot is actually in the middle of the phone horizontally across middle of NFC reader, and once I figured that out, I usually succeeded on the first try. However, some card readers just suck and will frequently require multiple tries. Rite Aid card readers, before they stopped accepting it, were the most likely to have this problem (and it was always the same ones at particular registers that gave me trouble).
The way it SHOULD work is that I put my phone over the NFC reader, it asks me for fingerprint, and done. Reality bites.