What comes to mind when you think of invisible payments? Is it the Amazon Go experience where a customer walks into a store, picks up the merchandise is automatically charged through their app as they walk out? Is it the instance where a customer uses their Apple Watch to pay for what they’ve bought in the grocery store? Or is it when a rider gets out of their Uber or Lyft as they reach their destination and the app takes care of the payment? The invisibility of payment depends on the consumer perception. It all comes down to how much friction there in the whole checkout experience. Do the consumers have to reach for their wallets? Do they have to use their phones at all to initiate the service even though the payment might be automatic?