I am disappointed that Home Depot doesn't yet have Apple Pay working.
They have NFC enabled and the transaction appears to complete (it asks for TouchID, and the amount is the correct amount). But then it says "Declined". But the actual plastic card (i.e. the same account) is accepted. So it's not that this card is declined - just the Apple Pay part.
And the same account in Apple Pay works in several other stores, so it's not a problem with registration or signup etc.
I would really like to not use cards at HD any more but that seems not to be possible. Oh - and their chip-card readers are not yet functional. They are present in the POS device but don't work.