I did use Apple Pay before. Usually on my iPhone or Watch at the store.
before this M1 with Touch ID, I used Apple Pay online. Sometimes on my iPhone, sometimes on my old MacBook Air (no Touch ID) and with the iPhone nearby.
But having the Touch ID on the laptop is a game changer. I was at MacSales.com to buy a battery, I didn't even add to cart and proceed to checkout. I just click ApplePay directly on the product page and place my finger. No cart, no checkout. Wow. I better do not show this to my wife, LOL