s21 contactless pay "your phone doesn't meet security requirements" after upgrade

[Beans on toast Dave]

hi,

applied an over the air upgrade lastnight on my s21 5g, thought all was normal till i went to use it for contactless payment
it comes up with "your phone doesn't meet security requirements"
have made sure wallet is upto date and infact everything is upto date
have cleared cache and settings and reset it up and its still there
any ideas

thanks