@Splash105: I'm sorry to hear that you're experiencing this issue. Can you try opening the Google Play Store > Tap your profile in the top right > Play Protect > Play Protect Certification. Is your Note 10 listed here? If not, please reach out to Google Support directly to report the issue, and an advisor will be able to assist you further. In the meantime, head to Settings > Google > Settings For Google Apps > Google Pay, and explore your options here.