The Apple Pay service has kicked off recently as it appears many users are loving this new way to pay. No longer needed to carry around a million credit cards in a wallet, as they can be stuffed digitally in the iPhone 6 and iPhone 6 Plus.

The big question right now, is whether or not Apple Pay is worth the time, because everything that is new tends to have a few hitches here and there on the first outing, and this service is no exception despite it being Apple made.

According to some sources, Apple Pay works really well, but it appears this is only the case when folks use the service in retail stores instead of shopping online. The New York Times reported that using Apple Pay to purchase things online is a bit quirky and is in need of fixes.

The publication stated that Apple Pay online is limited, but since the service is in the early stages of its life, we expect the developers at Apple to make big changes to get it up to speed in the best way possible.

The NYT also went on stating that adding credit cards to the service is easy. Just take your phone's camera and point it at the card, and everything should be up and running. Bear in mind that some minor cards from smaller institutions might not work, so don't lose your mind if this happens.

Apple Pay is designed to allow consumers to pay for items at retailer stores without a hitch. However, while some retail stores do the service justice where the user can simply tap their iPhone on the terminal, get their receipt and walk out of the store, others are not like that.

Some stores require consumers to give a signature if the purchase amount is over $25 or more. This is mainly due to these stores having an older terminal, so expect things to change with an upgrade later on.

One of the great things about paying with Apple Pay is that the service does not send the user's credit card details to the merchant. It means if someone managed to hack into the store's database, they wouldn't be able to find a thing.

The big question right now is if the service will be able to keep the momentum going, and if users will be drawn to it like hungry ants. Furthermore, how would the likes of Google, Microsoft, and Samsung respond? We'll find out eventually, for sure.