I actually like the payment process, i.e. handing something over and getting change back. I noticed, the easier the payment process is made (i.e. Amazon/Fiverrs one-click buys) the more I tend to buy things that would fall under the impulse buy category. If I see something in a store and don't have enough money on me, but have to go to the ATM first, I often do instead a more extensive product/price comparison online at home and quite a few times decided against buying anything at all ("do I REALLY need/use this?").