My safetynet is still not passing after complete factory reset. Can't use GPay.
No I'm not rooted and just factory reset after taking the March 26th update. Does it just not work anymore?
I wrote a lot about this and how to fix it, in this thread, but I use ROOT, SafetyNetFix, LSPosed, and MagiskProps, then I enable options 1 and 2 (only those two options are used, don't enable any others), then force both options 1 and 2 to use Google Pixel 4 XL A12, then wipe play store data, reboot, open play store and test. You should become certified in play, and pass SN (then Netflix will show up along with Hulu and such).
This is all with ROOT, I don't know what you should do if you don't plan to ROOT and your BL is locked
with a Google factory firmware applied. If you have done all 3 (lock BL, factory reset firmware, -w WIPE /data) and its still not working, then who knows what happened. Make sure you backed up everything prior, then go through the lock BL, and factory firmware with the wipe left in the flashall.bat file from the firmware. If you do all 3 (BL lock, factory firmware, wipe data) you should be solid and NF shows up in Play, bank apps work, and so on.
Without ROOT, make sure you do all 3 things to make it re-official Google device, then let us know if its resolved or not. The other option would be to ROOT, then bypass ROOT for the bank apps (hide ROOT in MAGISK with DENYLIST).