Not really a clue regarding Google Pay since not using it but theTried clean flashing and everything else you said and both problems persist. What gapps (open gapps or mindthegapps) are you using and what kernel?
- I am using NikGapps-core-arm64-11-20220222-signed.zip.
- My golden rule is to format data after wiping all partitions and rebooting to recovery. Have you done so?
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