Camera won't capture credit card for Apple pay

When I attempt to use the little blue camera icon option in Apple Pay to capture a credit card and it's info, nothing happens. The camera won't capture a picture of my credit card. I hold my phone camera hovering very still over my credit card making it's sure it's within the guideline over and over and nothing happens.
I know my bank and my credit card support Apple Pay.

Hi ...
Make sure your iPhone is updated to iOS 8.1
Tap Settings > General > Software Update
If it's already running 8.1, try a reset.
Press and hold the Sleep/Wake button and the Home button together for at least ten seconds, until the Apple logo appears.
If that doesn't help, tap Settings > General > Reset > Reset All Settings then try again.
Instructions for setting up Apple Pay >  Apple Pay

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