How to pay using Dash?

Could you elaborate on the process of making payments using Dash? I'm particularly interested in understanding the steps required to initiate a transaction. Does one need a specific wallet or application? Are there any fees associated with using Dash for payments? Furthermore, how secure is the payment process and how quickly can transactions be processed? Additionally, are there any limitations or restrictions to using Dash for payments, such as geographical constraints or merchant acceptance? I'd appreciate a concise yet comprehensive overview of the payment process using Dash.