Thanks for taking the time Chris,
Yes, I did discuss the issue with MUNI. I believe I mentioned, they (MUNI) told me to wait a year or so, because the technology was "glitchy". I always have the newest iPhone - at that time it was an iPhone 12 Pro and the OS is always up to date, so I don't think it was the phone. The watch was an Apple Watch Series 6 also with current OS. I tried it on several different busses and once on a ferry, so it wasn't the "readers". My reference to "they" was MUNI or the developers of the software. Again, this was all a year or so ago.
Yesterday, I decided to take a chance and add the card to my Wallet and it loaded and correctly transferred my balance over, so fingers crossed it works long term.
I loved how easy it was to use a year or so ago, and hope the "glitchy" part is history.
I teach seniors at Aquatic Park Senior Center how to use iPhones every Tuesday 2-3:30 on a volunteer basis. I saw the announcement I got about adding the card to the Wallet and included it in my Keynote on Tuesday, BUT told the class to wait until I tried it first.
Wish me luck.
Randy