Most people with Apple Pay don't actually use it. Apple/Screenshot In the last year or so, Apple, Samsung, and Google have all debuted mobile payment solutions.

All of these "digital wallets" work similarly — instead of swiping your credit or debit card to pay for something in a store, you hold your smartphone up to the payment terminal.

Contactless payments are easy to use, they're secure, and they work really well.

But according to a new study from Trustev, a company that helps retailers and banks prevent online fraud, not that many people are actually using the new technology even thought they have it on their phones.

Trustev found that only about 1 in 5 people (20.7%) in the US who have an iPhone that works with Apple Pay — the iPhone 6 and newer — have even tried Apple Pay.

Of those who have used Apple Pay, 56% report that they only use it once during a typical week, and 15.3% say they "never" use it during the week.

The numbers are even lower for Samsung Pay and Android Pay. (Although the two services are different, Trustev combined them for the survey because Samsung Pay is only available on a small number of Android devices.)

Only 14% of people who have the Samsung Galaxy S5 and S6 have ever used Samsung Pay or Android Pay, according to Trustev. Of those people who have, only 36.17% use it once in the typical week and 38.3% report they "never" use it.

Rurik Bradbury, the chief marketing officer of Trustev, told Tech Insider that he thinks mobile payments haven't caught on because paying with a credit card isn't that difficult.

"It just seems to me that there's not much of a problem Apple Pay fixes," Bradbury said. "Paying with a credit card is very easy. It's a habit everyone has."

Indeed, Trustev also found that more than 82% of survey respondents reported that paying with a credit card in a store is "very easy" or "easy."

Samsung Pay has only been available for a little over a month. Antonio Villas-Boas/Tech Insider

"Apple Pay is trying to replace something which is not a problem for people so they don't really have much interest," Bradbury said.

Another reason is that mobile payments are relatively new.

Apple Pay has only been available since September 2014, while Android Pay became available in the US on September 11 of this year. Samsung Pay has been available for just over a month.

Not all surveys have found such low adoption of Apple Pay. Surveys by the Auriemma Consulting Group this year consistently found that 42% of iPhone 6 and 6 Plus owners have used Apple Pay, and that people who use the feature are very satisfied with it.

When reached for comment, a Samsung spokesperson said that when the company beta-tested Samsung Pay in the US, 88% of people who used it said they were most likely to continue using the feature, and 85% reported they were most likely to recommend it to a colleague or friend.

Samsung also said on Wednesday that people in the US who use Samsung Pay are likely to use it again — the company reported an average of eight Samsung Pay transactions per user.

A Google spokesperson told Tech Insider that the company has seen millions of people set up Android Pay since it became available in the US in September.

Apple declined to comment.

Here's a breakdown of the survey data from Trustev: