Android pay nor working Note 4

[AC Question]

I used Google Wallet all the time and since moving to Android Pay I can not get it to work. I have it set as my default payment and NFC is enabled but when I touch a cc reader where I always used Wallet my phone does nothing (so then I look like an ***** digging for my debit card). I have uninstalled Wallet, Re-installed Pay, made sure my debit card was right and even did a factory reset. Can anyone shed some light? Thanks