Trying to setup Apple Pay and keep getting "invalid card" message.

I looked up my bank and debit card on the list and it's on there, so I don't know why it's not accepting it. Also, this is the card I have set up in iTunes. I have an iphone 6 with iOS 8.2.

When you looked up your card, I assume you looked here:
Apple Pay participating issuers - Apple Support
Please pay very careful attention to the footnotes. I have a Citi card that is co-branded. There is a footnote (1) at the top of the list in the co-branded header.
My particular Citi co-brand has not yet signed up for Apple Pay, even though there is a big check mark in the Citi - Co-branded cards box.

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https://discussions.apple.com/message/23999077?ac_cid=tw123456#23999077
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Snow Leopard Server for $19.99 + sales tax & shipping costs at 1.800.MYAPPLE (1.800.692.7753) - Apple Part Number: MC588Z/A (telephone orders only).
Parallels VM ($80): http://www.parallels.com/products/desktop/
Virtual Box VM: (free,open source): https://www.virtualbox.org/
VMware Fusion VM ($39): http://www.vmware.com/products/fusion/
See Roger Wilmut’s article: Abandoning Appleworks:
http://www.wilmut.webspace.virginmedia.com/notes/aw/page1.html
Last call for AppleWorks users:
http://www.macworld.com/article/1160843/last_appleworks.html

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Trying to setup Apple Pay and keep getting "invalid card" message.

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