Apple Pay has been disabled because the security settings of this Mac were modified
I solved this on my M1 Pro by:
- Running csrutil status in the Terminal and verifying it does not say "System Integrity Protection status: enabled."
- Booting into Recovery OS by shutting down and when starting held the power button to enter boot options
- I selected "Options" and then opened Terminal via the toolbar at the top of the screen (I forgot which drop down panel it is but you can quickly find it)
- In the Terminal I wrote csrutil enable and entered my password when prompted (make sure you click enter after)
I hope this helps!
MacBook Pro 14″