I prefer it this way (on iPhone). I find Face ID (and Touch ID) so easy that I prefer the added security of this. One of the things I like about having my phone with me to pay for stuff instead of the contactless physical card.
Any time I need to do a transaction where I need that extra half-second taken off the time it takes to pay, I’ll just pre-authorise the payment on my iPhone beforehand.
Good example being when I go to London and use the underground and there’s lots of people in a rush behind me, I don’t want to be the annoying one where something goes wrong at the gates (not the word I’m looking for haha??) when I’m trying to tap in, so I’ll authorise Apple Pay on my way over to it.