1. Convenience: Paying by phone is a convenient way to pay for goods and services. You don't have to carry cash or a credit card, and you can pay from anywhere with an internet connection.

2. Security: Paying by phone is a secure way to pay. Your financial information is encrypted and stored securely, and you are protected from fraud and identity theft.

3. Speed: Paying by phone is a quick and easy way to pay. You can complete a purchase in just a few minutes, and you don't have to wait for a check to clear or a credit card to be processed.

4. Rewards: Many phone payment services offer rewards, such as cash back or points, for using their service. This can help you save money or get free stuff.

5. Control: Paying by phone gives you more control over your finances. You can set spending limits, track your spending, and receive alerts when your account is low.

6. Flexibility: Paying by phone is a flexible way to pay. You can use your phone to pay for almost anything, from groceries to gas to rent.

Here are some specific examples of how Apple and Google have added new features to make paying by phone even more convenient, secure, and rewarding:

* Apple Pay Cash: Apple Pay Cash allows you to send and receive money to friends and family using your Apple device. You can also use Apple Pay Cash to make purchases in stores and online.

* Google Pay Send: Google Pay Send is a similar service to Apple Pay Cash that allows you to send and receive money to friends and family using your Google device. You can also use Google Pay Send to make purchases in stores and online.

* Samsung Pay: Samsung Pay is a mobile payment service that allows you to pay for goods and services using your Samsung device. Samsung Pay is compatible with a wide range of devices, including smartphones, tablets, and watches.

* Visa Checkout: Visa Checkout is a mobile payment service that allows you to pay for goods and services using your Visa card. Visa Checkout is compatible with a wide range of devices, including smartphones, tablets, and computers.

These are just a few of the many ways that you can pay by phone. With so many convenient, secure, and rewarding options available, there's no reason not to start using your phone to pay for your purchases.