I figured it all out. Look back on page 4 and grab the sam pay fw all and install that first then use the other apk to update it. Install apks from a file explorer. Now I'm all set and working 100%
I did a reset and then flashed the files through Odin, and tried Samsung pay but it still didn't work. Then I tried the way you just said and it still didn't work. I did a factory reset, then tried the steps you said and it worked fine. Thanks. Maybe that should be added in the OP for anyone in the future. The Samsung pay app should be replaced by the apks posted before even trying to open Samsung pay or it wont work. Im all set now. Thanks