Tap to Pay is now available to Windows Insiders living in the United States. The feature is baked into the latest version of the Microsoft Wallet app, which you'll find in preview builds of Windows 10 Mobile labeled 14360 and higher.

Tap to Pay for Windows 10 Mobile soft launches with support for only a small number of U.S. banks, including Bank of America, People's United Bank, and three local unions. U.S. Bank, Chase, and Fifth Third Bank are "coming soon," Microsoft says.

You will also need a compatible smartphone. The only ones that currently support Tap to Pay are the Lumia 950, Lumia 950 XL, and the Lumia 650. Other devices should get the feature later, but during the testing phase, this is it.

Assuming you have a compatible device and a compatible credit or debit card, you'll be able to use Tap to Pay at "over a million retail locations" throughout the U.S., Microsoft says. The service should also make its way to other countries later on.

If you're not a Windows Insider and you don't want to install preview software on your daily driver, you'll have to hold out for Tap to Pay until we get Microsoft's big Anniversary Update this summer, at which point it will be available to all.