I had one today when I went to pick up my taxes at the accountant's office. The receptionist, who takes the payments, is a woman in her 60s or 70s. She's nice, but not too on the ball. I tried to set things up "gently," so it didn't throw her off, but it didn't work:
Receptionhist: I need your credit card.
Me: When you're ready to swipe it, tell me, and I'll hold my phone up to pay.
Her: I need to hold your credit card.
Me: I'll be paying with my phone. I'll hold it up to the card reader.
Her: We take Mastercard and Visa cards. We don't take phones.
Me: This will work.
Her: But I'll need your card.
Me: You won't need my card. You'll see. Just do what you'd normally do and tell me when you're ready to swipe.
Her: What do I need to press?
Me: Just do what you normally do.
Her: I don't know how to do pay with phone.
Me: You don't need to do anything special. Just tell me when you're ready to swipe the card, and I'll use my phone.
Her: That phone ain't gonna fit in that tiny slot.
Me: It sends a signal.
Her: I better get Carl. He does IT.
Me: You don't need to. Just do what you normally do.
Her: I'm calling Carl.
[Brief wait, during which she tells me she doesn't like smartphones. Then Carl appears.]
Her: She wants to pay with her phone.
Carl: We don't have that.
Me: This is Samsung Pay. I just hold my phone up to the card reader.
Carl: It won't work.
Me: May I try? Otherwise, I'm not paying today.
Carl: What do we have to do?
Me: Nothing. Just tell me when you'd normally swipe the card, and I'll hold my phone up.
Carl (to the receptionist): OK, but it won't work.
[I hold my phone up to the credit-card reader. It goes through immediately and the receipt spits out.]
Carl: If we get charged extra, we're going to bill you for that.
Me: You won't.
Receptionist: I didn't even know I could do that. I gotta get me an Apple phone.
Me: This is a Samsung. "Apple phones" can't do this.
Carl: Of course Apple can do that. They are the best devices on the market.
Me: Nope. They don't have the technology. Only Samsung.
Carl: Put on a note on her file to make sure the payment clears.
Me: It already cleared. I have a receipt. You have a receipt. It's done.
Carl: We'll see.
Receptionist: This job is too complicated.