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Couldn't finish card setup for pay contactless

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I know this has been heavily discussed but I can't seem to find a solution, even after contacting Google, my banks and resetting my device.

Redmi Note 12 5G, purchased 2 weeks ago and I've not been able to add any payment methods to Google Wallet (two separate banks.)

I have been able to successfully add them both to my old Oppo device.

I've ran a number of tests using Payment Setup and Play Integrity API checker and they're all coming back successfully.

Running HyperOS 1.0.6.0 UMQEUXM...

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