I'll try to keep this brief (probably won't be successful). I successfully registered my Bank of America Cash Rewards Credit Card (VISA) with Apple Pay. I've attempted to use it at two merchants: a vending machine at work that has an NFC reader, and Macy's (which is listed on Apple's site as an Apple Pay partner). At both locations, my card was declined. I called Bank of America, who confirmed that the card was successfully registered with Apple Pay. The card works just fine when I swipe the card itself, and it shows as being active in their system for Apple Pay use. I called Apple, who also said everything looks fine on their end. Called Bank of America again, and eventually got transferred to someone in the Fraud department who said everything on the account looked fine, but that the transactions had been declined by Visa/Mastercard. After that, he transferred me back to the BoA Apple Pay department, who suggested I try restarting the phone (didn't help), or going to a different merchant (haven't been able to yet). Can anyone offer some insight? Thanks!!