Every time I go to use it I have to reconnect my account to Apple Pay. It's time consuming and embarrassing when I get an error message that funds aren't available. I've used it twice at the same store:Bargain Hunt, yet that store won't come up as an option to link to. First two times the employees had to work with my phone and account to get it to go through. The last time, today, I just gave up and put my purchase from Bargain Hunt on another account. I haven't yet decided if I will close the account or not.