The most important thing I bought it for was Health Tracking. Although I still don't understand why it ask me to do tacking sessions when I am simply walking faster.

2nd most useful feature is vibrate alarm.

Telling time not even that important on my list.

I don't do payment with watch. Since I think the motion of making my wrist to the counter is awkward. Since we are always on our phone it doesn't make it much simpler.