Microsoft Wallet, AT&T, and the Lumia 920

Does anyone know how to get tap-to-pay enabled on an AT&T Lumia 920? I've been getting confilicting answers from Bank of America about it, and AT&T told me before I purchased the phone that I shouldn't need anything special to be able to do it (even though some sites I read suggested you might need a special SIM).

Anyone deal with this?