I'm in the USA. At first I loved it, and used it often, but the main problem for me was that it's buggy as hell. 80% of the time it works, 20% of the time the m

I'm in the USA. At first I loved it, and used it often, but the main problem for me was that it's buggy as hell. 80% of the time it works, 20% of the time the merchant's terminal freaks out and I have to whip out my card anyway, so it wastes time and the people behind me in line wonder why I am trying to do some fancy thing with my phone rather than just use the card that works. After that happened about a dozen times I just stopped using it.