Ok I have had the same problem many of you are having. I was being declined when I had just used SP to make purchases earlier this week. I thought it was because I installed the update. So I reset the app which of course makes you readd the card. Then i get an error meesage that my card is not a card allowed to be used with SP yet. Now im really shocked. The SP help had me force stop the SP Framework, uninstall SP, restart and then reinstall. Didn't work. Called again and they told me to call my bank. The bank says the card was locked by fraud protection because of a transaction that doesn't look normal for my spending habits. (You're monitoring my spending habits)it was an Applebee's tableside payment terminal. After an automated security check my card is unlocked and SP is back up and running.
Posted from my Note 5 via the Android Central App