I got a Semble SIM the first day they were available, and put it in my HTC One (M7) phone, which was on Semble's list of compatible devices. I installed the Semble app on the phone and (with NFC on) I often used my phone to pay for small purchases (via loaded Visa card) and bus or cable car fares (via Snapper).

I also installed the Snapper app which allowed me to hold the physical Snapper card to the phone and get a balance, or top it up.

Jump forward a couple of years and Semble stopped doing the whole payment thing. I couldn't use the phone for payments any more, but I could still top up the physical Snapper card with NFC on.

Now, at the end of last year I got myself a cheap HTC 10 in Leeming's Christmas sale and put the Semble SIM in it, which worked fine until the first time I tried to top up the Snapper with the new phone. It doesn't find the card at all.

Trouble shooting so far:
1. The Semble SIM works fine for normal carrier functions, e.g. data, calls and texts.
2. The Snapper card is OK as the Snapper app detects it on my old M7, which my daughter now uses without a Semble SIM.
3. NFC on the HTC is OK as I used it to connect to my Sony a6000 camera.

So why doesn't the phone detect the Snapper card any more? Is it something to do with the Semble SIM not working with Snapper any more? Or is the SIM incompatible with the phone, even though there's no Semble app in the mix? Do I just get a new SIM?

Any thoughts?