unable to connect Apple Pay since upgrading to iPhone 13 pro....now doesn't work across any of my devices

Since I signed into my new iPhone, I have been unable to connect to Apple Pay on my MacBook Air, my new iPhone or my ipad. all say 'could not connect to Apple Pay- make sure that you are connected to the internet'

I AM connected and have tried resetting all devices...apple support were actually pretty unhelpful suggesting it was a hardware issue with my new phone, but it doesn't work across any of my devices now, so I actually think that its related to my Apple ID and some sort of setting in the apple cloud.....support would not escalate and I now I have to wait for an appointment at the apple store - the first of which is in several days....this is really frustrating . Can anyone suggest anything that could work?