Yes, I'm in the same position. Dtv so no account. I have the tag Thai. Can only load at Maya or central festival. Only with foreign bills. And you can only scan to pay at major businesses. Doesn't work for local shops at all, or even to pay utilities. Very very frustrating. But, I find it's a nice back up for bringing additional money without having to carry cash or pay international fees.
I think you meant doesn't work. But I found it's easy to tell. The account must show the full account #. If there are any xxxx it will not work. Mostly it's for paying things that are corporate owned. It rarely ever works at a local vendor.
my spouse and I are in a similar situation. He's what I would suggest.... see if you can come in as spouse on your partner's retirement visa (which must be applied for before coming) or.... Apply for the education visa and sign up for a 6mo program. You can switch from education visa to retirement visa once you turn 50 without having to leave the country.