I just signed up for Dexit, a direct payment smartcard thing that’s just starting up in downtown Toronto. It looks useful, if only to cut down the huge amount of small change I have.
The ergonomics of the card could be better. It’s about the width of a quarter, but twice as thick, so doesn’t fit well into your credit-card wallet. I think it’s supposed to go on your keyring, but I don’t often carry one. We’ll see how it goes.