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Versa 2 - FitPay doesn't work, Spotify keeps requiring resync.

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As subject, Fitpay has a Revolut card registered with it, and it's been refused twice in shops. The card has been tested off phone, so it seems to suggest the watch is at fault. 

Another problem is the Spotify app, keeps losing its connection, and it won't work until I use the app on the phone to sync it, sort of defeating the object of the watch.

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