Where’s the best place for Apple Pay? by Philip Elmer-DeWitt @FortuneMagazine August 18, 2015, 7:30 AM EST E-mail Tweet Facebook Linkedin Share icons Here’s an interesting discrepancy. In surveys of iPhone 6 owners, only 15% to 20% say they’ve tried Apple Pay. In a Wristly survey of Apple Watch owners released Tuesday, 80% said they were already using Apple’s mobile payment system. Moreover, the Watch folks are using Apple Pay a lot: 78% said they used it every week; 14% every day. And when asked to choose among adjectival phrases to describe how they felt about Apple Pay, 42% picked “It’s convenient” and 51% chose “It’s magical.” Why the difference between Apple Watch owners and people who own an iPhone 6/ 6+ but no Watch? Benedict Evans may have put his finger on it. “Apple Pay with a phone is still just taking something out of your pocket,” tweets the Andreessen Horowitz analyst. “Not transformative. With a watch it’s amazing. End of friction.” Note that the panel of Apple Watch owners Wristly surveys each week is self-selected and can be assumed to have a strong bias toward making the Watch work for them. For more charts from this week’s survey, click here. To join the Wristly panel, click here. Follow Philip Elmer-DeWitt on Twitter at @philiped. Read his Apple AAPL coverage at fortune.com/ped or subscribe via his RSS feed.