Downloaded Android Pay onto my G4 yesterday, registering my First Direct debit card was dead easy and worked fine.
Credit card from the same bank didn't work as smoothly - AP didn't recognise the card and kept getting an error saying it wasn't recognised! I persisted and it eventually worked.
I went to Waitrose and did some shopping, debit card worked fine first time, but the credit card got declined, it did all of the beep etc but the checkout said it was declined. Tried again and it worked. I hope it's just teething issues rather than a bad omen.
FD and HSBC don't have any contactless functionality on their credit cards, which is strange given that their debit cards do.
Just need to wait for other retailers to catch up, in Sainsbury's and more rural branches of Tesco, people are still bashing in their PINs like it's 2004.
Does Android Pay always require a network connection to function? Or can it work fine without reception/wifi? Also, does it always authorise online and reserve the funds from your account? Contactless with a card doesn't seem to.