Solved: Fix for "Apple Pay has been disabled because the security settings of this Mac were modified".

Thank you so much, that solution also worked for me. I have a new MacBook Air and like you I was trying everything. I'm so pleased it's resolved thank you. Linda

Thank you! I had the same problem and this fixed it for me!

This worked here on my MBP 16" as well.

It seems Apple really needs a refresh permissions feature across all devices as this is an ongoing problem with icloud things.

I had "Install system data files and security updates" on my previous MacBook, and I guess that setting got transferred to my new MacBook. I had Apple Pay working on the old MacBook just fine, however, even with that option unchecked.

This thread was great for giving me the hint to try this Software Update setting, because the page that Apple links you to when Apple Pay is disallowed says nothing about this issue, and I never would have guessed to try "Install system data files and security updates" otherwise.

Perhaps its just a matter of whether it's checked at the time you add credit cards to your Mac, and then you can turn it off later and you'll still be okay?

While I like to keep MacOS up-to-date, I only want automatic downloads and notifications — I definitely don't like any setup that automatically shuts down and reboots my system when I might have been in the middle of something I don't want interrupted.

Thank you for posting this information. There have been a few cases of this and so far this is the solution. I added this information to a User Tip I created for Apple Pay issues - Problems and their solutions for Apple Pa… - Apple Community

Great!! That really worked... would have never thought of this (and also have now clue why it works).

I was also moving to a new MacBook Pro and had my complete volume cloned. Now the cards are already setup!

Thanks alot.

No idea why this worked but THANK YOU!!!!!!

Thank you! I just had to do this out of the blue on a years old fully upgraded and operational OSX 10.5.5 MBP! It was driving me nuts.

Oh my god, yes! Thank you, this worked for me too! I restored a backup to my 16" MBP from my previous 2012 MBP and this has been the only thing that I have tried that has worked, thanks!

Thank u soooo much. Same scenario with a new 16" Macbook pro. Been searching for hours. Would have never thought of doing this. You're a life saver!

Thanks a lot. Worked for me. Sadly uninstalled a bunch of software before I tried this coz I thought 3rd party software was messing with the security settings.

It did work for me too on a 2019 MacBook Pro 16-inch. Many thanks!

It worked for me also - thank you for posting this.

Took me a few tries as your text reads, "unchecking the recheck" instead of 'unchecking then rechecking' but I figured it out.

David

This was a quick and easy fix. Thank you for sharing!