The first time I tried using it was at Walmart and it wouldn't take. Since then, I've used it at quite a few places. Well this morning I needed to do a quick Walmart run before work, and I was committed to make it work there. So I left my wallet in the car and just went in with my phone, determined. For some reason, the self checkout card reader doesn't play well with my Samsung Pay, so I thought I was going to have to rush out and get my wallet, but lo and behold, on the second try, it worked. The feeling of accomplishment and cool points abound.