I am in Canada, I have used Apple pay before with my new Amex card that is setup in my phone. I just tried using it at a hardware store down the street. When I attempted to use Apple Pay the terminal reported a card error. I tried twice, it didn't work either time in spite of me using it as I normally would and everything seeming OK on the phone. I then took out the actual card, tapped it and it worked no problem. The terminal at that store uses a dial up connection, I am wondering why I had this error and if Apple Pay requires the terminal be hooked up to a broadband connection? That was the only thing I could think of