Got an Android smartphone?
It's been a long time coming, but Android Pay finally makes the hope from the US to the UK this week, bringing contactless payments to Brits running Google's mobile OS.
You'll be able to use your phone to spend up to £30 at a time, anywhere that contactless payments are accepted - which includes pretty much everywhere you've thought about going for lunch today.
Companies with contactless terminals don't have to do anything: your phone will just work once you've installed the app and set up your credit or debit cards.
Barclays is noticeably absent - it's trying something a little different with its own dedicated app.
The app generates a unique code for every card, rather than sharing the actual card number, so you stay safe from fraud.