Got the $20 promotion. That was nice, but since then it only works at about half the vendors I attempt to use it at. Didn't work at Costco with my debit card. Didn't work at a gas station inside at the register. There were a couple other places it didn't work with either, and when the thing actually DID work, lots of the time I had to then enter my pin or hit all sorts of buttons on the terminal and sign. It already knows all that. I programmed in my signature and use a pin or fingerprint for security. Tell me again how this is supposed to be more efficient and save time? At least if I use my debit card, I know it's going to work and I know what to do. I don't then have this new experience each time and have the risk of it not working at all and having to in the end take out my damn debit card anyway. Fail