I'm in Austin and just activated my ISIS a week ago for testing. Setup required some ISIS customer service assistance, Verizon store was pretty clueless but tried to help. I do think that the main issue could have been related to the recent OS update. I had to completely reload the app and somewhat start all over from when I first bought the phone in November. After the service was set back up, it had some updating of its own to do too. I'm fairly tech minded and don't give up on things very easily but I really had to make an effort to get this thing going. They will have to work out some of the kinks before the mainstream consumer will adopt it fully. So the process hasn't been seamless but the results so far have been pretty cool. The service works fantastic at the vending machines at my work, McD?s down the street and basically anyplace that has an NFC reader. It doesn?t have to be just ISIS branded. I received my companion card in the mail that works everywhere else that doesn?t have NFC readers and I can use that at ATMs also. I only reload it with an amount I think I?ll need and loading from another card is easy and instant. I will summarize by saying in my case, getting starting had some hiccups but the ability to use my phone this way is very convenient and futuristic. I look forward to it becoming more mainstream but until then I will continue to impress my friends by paying by phone