Apple Pay does not work on MacBook Air M1 after motherboard replaced

Hello,

As the title says, my MBA M1 had an issue with kernel panic errors and pink screen, got motherboard replaced + Touch ID and now Apple Pay it's refusing to work. It says the card could not be added and I should try again or contact the bank.

I have contacted the bank, they checked everything and they said it's not their fault. And I totally agree because no matter what credit/debit card I try to add, I get the same error.

It's strange because the same credit card works fine on my iPhone with Apple Pay and before I had the motherboard replaced, everything was fine here as well.

I contacted also Apple in my country, but they are pretty unprepared and did not solve my issue (they tried to provide multiple solutions like resetting SMC and NVRME or how it's called - for Intel versions, even though I specifically said it's an M1).

Tried to log out/ log in on Apple ID and also tried to remove the Apple Pay card from iCloud.com but the card there stays on the deletion pending.

Thank you for your suggestions !