How do you pay with your phone?

[Carwashcath]

I see loads of people tapping their phone like I tap and pay with a debit/credit card. How do I set this up? I have an android phone and bank with HSBC if relevant.

I think people are meaning they enter their PIN or use their fingerprint or face Id to unlock their phone. That's certainly what I meant. Presumably you unlock your phone using one of those methods? Then tap.

But it would be the same as using your card for chip and pin. When you use it, you either need a finger print, face recognition or a pin to authorise it.

Because I'm a nervous person, after setting up my Google wallet I tried it first at a self checkout when there was no queue behind me! It worked!

So easy to use I rarely ever get a card out my bag now and am brave enough to shop with just my phone on me.