This fixed my 4 XL which is running Android 12 November 2021. Been racking my brain the past two days trying to figure out how to get GPay working since upgrading two A12. I NEVER carry my cards, I'd die without GPay.
All I needed was Canary, the newest SafetyNet and to hide GPay.
No SQL hack BS required here either.
Side note, A12 sucks. The layout looks like it was designed for a 70-year-old that has bad vision. I see I'm not the only one that shares these thoughts though, Google's forums and Reddit are littered with people complaining about the same thing.
This may be the first time in history and I'd been a Nexus and Pixel owner for years, I may downgrade back to a previous version of Android, it's THAT bad.