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Google Pay doesn't work. Is it my phone or a software bug?

I recently bought a Nokia 6.1 and it is working well, other than Google Pay. I was able to set it up correctly, but I get a "card read error" when trying to pay somewhere.

I've set up two different cards (one Amex, one Visa) so it's not a provisioning problem with the card. I also tested two different places (a grocery store and a McDonalds), both gave errors. 

Does Google Pay work for anyone else? I'm trying to determine if it's a software issue or if my phone hardware is bad. Other NFC functions such as bumping data to other phones seems to work without issue.

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