Ok so your phone has a problem with it's updates, you never got any updates after the beta.
I see this a lot, let me do my explanation then we can see if it matches.
So, a very common thing I see is broken updates. Usually the cause is the phone being in the wrong country. Usually someone bought a second hand phone or got one from a non official source, that phone was imported from another country. This breaks updates.
Related, if you're using a sim card that doesn't match the country of the phone, updates break.
A way to check all of this. Settings, about phone, software information, service provider software information, can you send a screenshot like the one I've sent.
There's a little code that is an easy way to spot if it's a country issue
Oh and for your original issue, samsung wallet should work while google wallet is broken due to the update issue