Okay, here's the problem. 1. I do have fingerprint lock and code on phone 2. NFC is on 3. Android Pay is up to date Problem? I tap on app to open and I get "Android Pay is Unavailable" under that one is "Android Pay is Not Available". How to correct this? I tried Force stopping (can't uninstall - on verizon), rebooting phone, tried clearing cache, etc.