So I went to subway today for lunch and to try to use Apple Pay again. I asked the cashier if I could pay with my phone and she said "Oh, I just learned how to do this", so I felt pretty hopeful. She did something on the cash register and the terminal showed a QR code and she said that I needed to scan the code with my phone. Obviously that wouldn't work with Apple Pay, but there was also another little logo on the screen that I thought might have been the NFC logo, so I tried putting my phone near the terminal and nothing happened. After a few minutes of her insisting that I needed to scan the code and me waving my phone around like a fool I finally said I'll just pay with a credit card. I got out my card and prepared to swipe it and she said that she needed to change something on the cash register first. She did her thing and I was about to swipe my card when I noticed that the QR code on the terminal had disappeared and was replaced by a big NFC logo. I said, "Oh, I think that's what I needed" and I got my phone back out and sure enough it recognized the terminal and allowed me to use Apple Pay. I'm assuming that subway has some other mobile payment solution of their own that requires an app that can scan the QR code and that's what the cashier originally tried to set up. So, the moral of the story is, if you see a QR code on the terminal at subway then the cashier has configured it wrong and Apple Pay won't work. Ask them to set it up like you were going to pay with a credit card and then you should see the NFC logo and be able to use Apple Pay.