I setup and use Apple Pay in the UK with first direct Credit and Debit cards. I'm currently in the US visiting, and I'm curious if other people have been able to get Apple Pay to work? I've tried everywhere and the only place it worked was an Apple Store. Many times, I get errors on the terminal such as "Card Reader Error", "Invalid Card" and so on. A few occasions were declined, I called up first direct and they said the error was "Invalid CVC", which they didn't understand. Have others had similar problems? Is it worth me talking with Apple about this?