Oh, yeah, I got that. But I'd read (either a long time ago or incorrectly) that it needed to be actively connected to the internet to authorize the payment (e.g. Google Wallet, etc).
Not sure what your hang-up is with apps
Lol. I've been a tech enthusiast all my life, but years ago I had my "turn it around, we've gone too far" moment with regard to apps. 99% of them could and should be websites and ask for every permission under the sun. Nah, just let me swipe my card and enter my PIN. Takes like 5 seconds.