I recently got the 21 ultra about a month ago. Since then I haven't been able to use Samsung pay at all which I used on my previous phone frequently. I've tried updating both the app and the phone and have NFC payments on. It's starting to make me regret upgrading since I leave my card at home frequently.
Samsung pay opens and doesn't give me errors until I try using it at the register. The register pinpad makes a noise and say card malfunction.