Apple Pay on Mac is disabled

Use Wallet & Apple Pay on Mac

Excerpt from an important detail

Important: If you sign out of your Apple Account, you have to set up Apple Pay again—including any cards you added in Wallet & Apple Pay on your Mac.

If still not working, this seems more a localized issue

Start now and open an Apple Support Ticket as they are PAID  Apple Employees to deal will these types of issues . 

 Product Feedback for Sequoia - and make it known to Apple regarding this ongoing issue

Product Feedback for MacBook Pro

Based on your description, this doesn’t sound like it may be it, but have you ever reduced the security? Change security settings on the startup disk of a Mac with Apple silicon - Apple Support

Might be worth checking.

Also not sure, but I think you must disable automatic login.

I’m assuming you have Fingerprint ID setup and working and Two Factor Authentication is enabled. If they aren’t, that’s the first step.

The fix is to create a second admin account then start to add a credit card to the account. Go through all the steps, but don’t actually add the card. Logout of the new admin account and add one of your cards. You should receive a notification saying another user is using Apple Pay and do you want to disable the account (or something to the effect). Disable the account and proceed to enter your cards.

This is a variation of the one I gave you. If you still have the “new” admin account, actually enter one of your cards in the new admin account Wallet settings in the Settings app. Log out of the new account.

Login to the old admin account and try to add a card. You should get a notification about there already being a Wallet in use and want to know if you want to disable it. Yes, disable the account and proceed to add your cards to Apple Wallet settings in the Settings app on your Mac.

I don’t think it matters. iCloud sync doesn’t sync cards. It syncs limited information like recent transactions. Card details, tokens, are never synced. Card details are only stored in an encrypted form (payment token) in the Secure Element of each device. Secure Elements have their own separate OS, CPU, memory and OS (runs Java) and has no connection to iOS basically. Hacking an iPhone,Mac etc. which is really hard, does not hack the SE.

Huh, I’ve never had that happen before. I’d wait until after the next Mac OS update and try it again. You’re the first person to ever say that it worked and then didn’t. I’m thinking there may be two separate issues at play here. Let’s revisit this in few, month and see if we can’t finally resolve this.

Solved: Fix for "Apple Pay has been disa… - Apple Community

You are welcome

How many admin accounts do you have on your Mac?

You’re welcome. Please let us know if that works. There is one more fix that might work, but not as easy.