Apple Pay not working on a Touch ID Mac? Here are the security settings to check | Macworld
www.macworld.com/article/550362/apple-pay-not-working-touch-id-mac.html
What Jamie wrote
I've had a couple of M1 MacBooks that I have never successfully been able to get Apple Pay to turn on and have been completely stumped. It turns out there are some pretty low level things that can disable Apple Pay.