It happens when I go to McDonald's. If I'm physically in the store, it's not an issue because I can hold my phone right up to the NFC reader.

But when I'm in the Drive-Thru, the cashier doesn't have a clue what to do (never mind the blue stickers posted at the cashier window and the Drive-Thru menu/board that say Apple pay is accepted in-store and at the Drive-Thru).

Today I told the cashier in Drive-Thru that I want to use Apple Pay (I had forgotten my wallet at home).

His response was: "How do I go about doing that?"

I told him maybe he should ask his supervisor.

All they have to do is lift up the card-reader (with the NFC-reader attached) and hold it to the window (within your reach). And then you hold your phone to it and pay.

McDonald's needs to roll-out some computer-based training about NFC payments. It's interesting because they've been accepting NFC payments for years (I think they began taking NFC payments when credit cards with wireless capabilities debuted).