How do I pay with ERC20?

Could you please explain how exactly I can use ERC20 tokens to make payments? I've heard that they're quite popular in the crypto space, but I'm still a bit confused about the process. Do I need a special wallet? Are there any specific steps I should follow? Also, are there any security measures I should be aware of when using ERC20 tokens for payments? I'd really appreciate a detailed breakdown of the payment process, as I'm eager to start using them but want to ensure I do it safely and correctly.