Passcode not working

My passcode on my Apple Watch is not working, it prompted me to create one on setup but will not allow me to add a payment card because no passcode has been created.

ln the passcode settings area, all the options are greyed out except the wrist detection which is activated although doesn’t stop the watch being accessed when removed from the wrist.

I’ve reset it several times, each time creating a passcode.

any ideas?