i'm happy to pay a convenience fee to not have to set up an account to order from each individual store. having my address and payment info in one centralized superstore is way better than having it spread around dozens of niche businesses

apple pay is pretty damn convenient and seemingly secure. open a webpage and scan the apple qr like code and it's all done without much worry. maybe there's a mitm attack but i feel like you have a better shot at getting a refund from apple(i admit i've only used it a few times and nothing substantial or expensive)

i believe it also autofilled the address form for me.