One of the joys of Touch ID on a Mac laptop is using Apple Pay without needing an iPhone or iPad at hand to validate a secure credit or debit card transaction. This was extended to M-series Macs with the Magic Keyboard with Touch ID, which allows a Mac mini, iMac, or Mac Studio to add Touch ID through a special wireless connection to an M-series Mac’s Secure Enclave module.
But some readers have found Apple Pay disabled. In > System Preferences/Settings > Wallet & Apple Pay, macOS offers the explanation “Apple Pay has been disabled because the security settings of this Mac were modified.” Several different causes could be the root, and Apple omits one for M-series Macs in the document linked via a Learn More button in the pane–the company says it doesn’t apply, though I found in testing that it does.
Read more at Macworld.com