Had a weird SPay failure at REI today. Held the phone over the terminal and the terminal received the card info and asked me if it should process the card as "debit" or "credit." Selected "credit", was prompted for my signature, signed my name and hit enter. I thought everything was good, but the cashier said that he got a "bad card read" error on his screen and that the transaction didn't go through. Did the entire process again with the same result. The cashier said that their system was not set up for Apple Pay or Samsung Pay. This is the first time that the terminal has accepted the card information, but the transaction failed (according to the cashier - I'm a bit suspicious). Anyone else experience something like this? Also, anyone have success with SPay at REI?