When the time comes to pay, telling the waiter that I’d like to buy my lunch with PayPal means that with bill he brings an iPad – on it is my picture, and simple pressing on it brings up a new screen saying “Charge”. That’s it. No scurrying for a chip and pin machine. The second the waiter presses the button, the app tells the user what’s been charged, and can even, in some shops, show you the entire receipt. It’s simple and effective. One wonders what the point of Mastercard ever was.