I am using Pay. When trying to install a card it fails several times before I can create a new wallet. When I finally able to create a wallet, with Boon the card is always in a state to be acitvated and cant be used at all. When I went back to VIM, that I used on the Vivoactive 3, I get a read error, when I try to pay with it. This problem was the same by the way with a replacemaent of the vivoactive 3. Does anyone successful use pay?