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Where’s the best place for Apple Pay?

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.