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  1. We use Apple Pay whenever and wherever we can. We've been to 4 local Panera Bread locations and Apple Pay doesn't work at any of them (for me, anyway) or success is spotty. One location told me, after I'd had yet another payment declined, that oh yeah, you have to use the other terminal, this one doesn't work. It's not my card, it always works when I use it manually. Panera is the only place my Apple Pay doesn't work. So do I contact the retailer? the bank? Apple? What incentive does the retailer have to make sure their terminals work right? I assume they have some way of knowing how many sales are paid for with Apple Pay, but if my card is declined every time, would they know that I'm trying?