Topping up Oyster is not a pain, you can set up auto top up very easily, and the silo of Oyster brings with it security in itself. And on the other side of the spectrum, credit cards are still accepted in a lot more places than Pay, and will be for a while yet. Don't get me wrong, Pay is great, but let's not paint it as so much of a revolution. It's a gradual step to something better.
8/14/15 at 3:07pm