So. Apple Pay. I like my Apple devices, I really do. In fact I love my iPhone. True love. Wait till you see what I’ve bought my iPhone 6s for Valentines day. But that’s another story. Back to Apple Pay. What a gimmick. A pointless, unnecessary marketing gimmick. Or so I thought. But Apple has gradually won me over. I’ve seen the light. Why did I ever doubt them? The first revelation was at a McDonalds. I’d ordered my meal, but then discovered I’d left my wallet back at work. My lunch was about to be aborted when it occurred to me – I had registered a debit card on my iPhone. So I paid with my iPhone. Happy days! And a Happy Meal to go with it.

Now I’ve gotten used to paying with it. I stand in queues waiting to purchase my shopping, killing the time with a little bit of Candy Crush. Suddenly I’m at the front, the cashier has rung through my items and it’s time to pony up. Do I reach into my pocket, pull out a wallet, fight to get a card out etc etc? Nope, I just swipe my phone and lets the magical Cupertino Money Pixies do their stuff. How did I ever manage before?

I’d been wondering though. On the London Underground, if I tap in with my debit card and tap out with my iPhone (using the same card), would the system recognise them as the same card and charge me accordingly? Or would it read these as two payment methods and charge me twice? My hunch is that I would be charged twice. I can report that I have now made this error and can reveal the result. You’re charged twice. So don’t do it. It’s an expensive way to travel. Fortunately, I have read somewhere that the new iPhone 7 has a special app called Aladdin that turns the device into a Magic Carpet, which will save everyone a fortune on travel costs.