Apple Pay disabled after upgrade to macOS Ventura 13.0.1 on MacBook Pro 13 (2019) Intel

BitDefender may be why it thinks your Mac is insecure.

Have you changed anything in the Startup Security Utility? About Startup Security Utility on a Mac with the Apple T2 Security Chip - Apple Support

If you set anything but Full Security, I don't think you can use Apple Pay

Two things that jump out

1 - The current version of Ventura is now 13.1

refer to links below

Keep your Mac up to date

About the security content of macOS Ventura 13.1

2 -

There are no known Windows-like Viruses in the wild that self replicate and affect macOS, because of the underling UNIX  Foundation and Permission Limitation. 

Additionally, and specific to Big Sur macOS 11 and above,  the Operating System resides in a Sealed and Read Only Volume that can not be opened by the User.

The Only thing this Antivirus software is protecting is the Bank Account of the Developers and for zero return to the User aside from the problems this software creates.

AntiVirus Developers purposefully Market their product to create a “ Fear Factor “. In so doing, creating a False Need for their Product.

The The Built in Security  is all that is required to protect the computer.

Any of the below should be removed as per Developers Instructions 

This will include BitDefender , 

Read some of the posting and arrive at your own conclusions.

Thanks for posting in the Apple Support Communities mkdj,

The following page offers guidance that may help:

If your Apple Cash account is restricted or locked

Cheers!

Perhaps this is " Teachable Moment " for your Company IT Department .

By all appearances, they are thinking Windows ONLY and have no clue about macOS

Same back to you , Holiday Season