Maybe this is why Apple Pay never works on my M1 MacBook Pro:

With an M1 Mac, the most likely reason is you enabled its Reduced Security mode to install a kernel extension required by some software that taps into low-level drivers, like some of Rogue Amoeba’s audio software.

Apple Pay not working on a Touch ID Mac? Here are the security settings to check | Macworld

Miraz Jordan @Miraz