Android
DROID DOES
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I watch the British "Coronation Street" and see them just swiping their phones at a little gadget when buying a coffee at the local diner. Swipe and go, no other steps.
Sadly NFC doesn't work on graphene though
Honestly, the US (where we live) does this surprisingly well, considering how backwards of a country it is in a lot of other ways.
Credit cards, and even debit cards (like the one from our bank), generally have NFC these days, just like phones do. But you don't need to faff about with your phone. Just pull out your card, tap it, done.
No app compatibility to deal with, just as easy as phone NFC, I don't know why that's not the standard over there. (Plenty of people do use phone payments here too though. I don't get why.)
-- Frost