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Has anyone actually used Google Pay?

I have tried several times lately with different cards (one credit, one debit). The transactions get as far as my bank and there is a pending transaction. But eBay fails to complete and cancels the transaction the next day. The eBay payment page gives some generic "check your details" message. And I can pay with the same card via PayPal.

Should I just not bother with it or is there some secret method to make it work?

(I did search the history and see people from years ago having the same problems. But no real fixes and nothing recently, suggesting it might be fixed but not for me. Or everyone else knows it's broken and ignores it.)

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