Hi whistlersmother,
Thanks for contacting Apple Support Communities!
We understand that you're unable to use Apple Pay on your Mac due to an alert.
There are a few steps you can take to help isolate this behavior further.
You can check your security settings, install all available updates and restart your Mac as outlined here: If Apple Pay on your Mac is turned off because security settings were modified
"Make sure that your laptop lid is open
On a laptop computer, you can use Apple Pay when the computer's lid is open. If you're using a Mac laptop with Apple silicon and a Magic Keyboard with Touch ID, you can also use Apple Pay with the lid closed.
Check security settings
If you're using a Mac with the Apple T2 Security Chip, Apple Pay requires the highest level of startup security. If you lowered your Secure Boot setting, use Startup Security Utility to raise it to full security.
Check for the latest software updates
For the strongest security, install the latest Apple software updates.
To make sure that you always get important security updates promptly, keep the “Install system data files and security updates” setting enabled in Software Update preferences:
- Choose Apple menu > System Preferences, then click Software Update.
- Click the Advanced button.
- Select “Install system data files and security updates.”

Security updates help make your Mac more secure by identifying malicious software and preventing its installation. When you restart your Mac, they also remove any malicious software that is already installed and identified.
If you still get the same Apple Pay alert after installing all available software updates and restarting your Mac, contact Apple Support for help."
Take care!