Apple Pay Cash/Wallet Debit and CC issue

Vin2015

macrumors regular
Ok I was running the Beta so Ive had Apple Wallet for a few weeks now, and one issue I keep running into, is certain stores that take Apple Pay are having issues with Apple Wallet. It gets ran as a CC not a ATM card, right?

Ive had a few store require me to sign as if it is a CC, and then some places require a PIN, which my understanding is 0000 and not changeable, but I haven't been able to use it at the PIN required location. Basically stores that only take ATM cards, it has been unusable for me.

Anyone ran into this, or am I just not doing something right.
 
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