How do I pay with ERC-20?

Excuse me, could you please explain to me how I can make payments using ERC-20 tokens? I've heard a lot about them but I'm still a bit confused about the process. Is it similar to paying with traditional currencies, or does it involve a more complex set of steps? Also, are there any specific wallets or platforms that I should use for ERC-20 payments? I'd really appreciate it if you could break it down for me in simple terms.