Apple pay at a non participating vendor

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Bugeyeblue

macrumors 6502a
I tried to use Apple pay at a CVS today, and they have a NFC reader on the card reader. I used my iPhone to try to pay. The phone opened Apple pay, asked for the fingerprint, said success, and then the reader showed that the payment didn't go through. Tried this twice, same error both times. I'm guessing this is because CVS isn't on apple's list of participating vendors yet. Anyone have this error or know if my assumption is right?
 
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