I cannot get my Tap and Pay to work either. Using a Moto X . 4.4.4 on AT&T. I have money in the Google Wallet account. It is set to pull from there first, then my debit card, which also has money. I have tried at Walgreen's and McDonalds, both locations that are set up to accept it, at least I have been told that. But after I tap my phone, and enter my PIN as requested, the transaction is declined. I get this message (email and the Wallet site):
Declined
There was an issue processing your transaction. For your security, you must bring your device online at least once every 24 hours.
What do they mean "your device"? My phone? well it is always online. Or the store's terminal? I was told that people have used them before.