I don’t know if most people already know this but I have finally realised how it’s meant to work.
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Get your phone out and as you do so double click the power button. This brings up your payment method (Curve).
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Hold the phone near the reader. Do not tap the reader yet. Your fingerprint confirmation will pop up. Confirm the fingerprint.
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Tap the reader once to complete the payment.
It’s a joy to use now I’m doing it this way.