Apple Pay is coming up short for many people who attempt to use the mobile payment service at the register.

A survey from research firm Phoenix Marketing International found that 68 percent of respondents who have used Apple Pay had encountered an issue when making an in-store purchase.

The leading complaint made by nearly half of respondents was that retailers’ sales terminals took too long to record a transaction. Other problems were: employees who didn’t know how to process sales with the mobile wallet (42 percent); errors in how the sale posted (36 percent), like a transaction appearing twice; and out of service Apple Pay terminals (27 percent).

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