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?
[doublepost=1492095587][/doublepost]SOLVED!I have read that some people are having trouble because in their Apple Pay card settings their billing address has "Avenue" spelled out but their bank abbreviates it to "Ave". Not sure if that is why you are being declined or not.
A quick update - my colleague has an iPhone 6 and was successfully able to make a purchase at the vending machine that has repeated declined me.
So, it does seem to be a specific issue with me/my phone/my card.
I am in Pittsburgh, PA and two different cards from my apple wallet was declined at 7-11...I had something similar happen to me at 7-11. I tried to use Apple Pay and my phone recognized the terminal and scanned my fingerprint, but the terminal simply said "Declined" I tried again with the real card and it went through without a problem.
From looking at other threads, it looks like the problem in my case was simply that 7-11 doesn't accept NFC payments... apparently they have it disabled on their end, but I thought that it was interesting that the terminal and my phone still were able to sync and attempt to process the payment.
My initial thought was that something similar happened to you... perhaps the vending machine had an NCF reader, but the owner had disabled it, but I certainly wouldn't expect you to see the same thing at Macy's, which is an Apple Pay partner.