still need a credit card? or what if the vendor using a andriod phone and the buyer using an iphone want to useapple pay?
i see no better than a phone(any phone) + payment app + qr code. no need to carry the credit card.
Dude it's called "tap to pay": https://en.wikipedia.org/wiki/Contactless_payment
A credit card, an iPhone behaving like a credit card (AKA apple pay), and an android phone are all using the same protocol. Why don't you just try it? Pretty much every grocery store, gas station, etc accepts tap to pay. Any phone or card will work with any terminal. Like I said, the only difference between a card and a phone is that the latter has a $50k limit instead of just $10k.