Android Pay will not load on non-rooted Note 4

I didn't find any other threads that mentioned this issue with Android Pay and a non-rooted VZW Note 4.

I have tried a factory reset of my phone. Once, restoring the apps from backup. When the app still didn't not open past the Android Pay logo, I tried another reset and set it up as a new phone. The app still don't not work. When loading the app the first time, it brought up a window, that looks as if it is logging in but never goes past the loading screen


My device is not rooted
google play services version 8.1.15(2250156-230)

Thanks.