I would suspect the same, but that’s not where the failure point occurs for me. it’s after TouchID confirms fingerprint and my phone just sits at “hold near reader” and does nothing until i put it down and pull my card out. when it does work it’s fine. fast. instant until i hit the same tap through menus on the reader for a debit purchase. but as it’s the only place i shop that does accept apple pay (other big players are target and walmart who will die on their “maybe we’ll have our own payment system one day” hills) I gotta keep the wallet handy.Maybe it your carrier? AP is significantly faster then using my chip card.