It all sounds dodgy to me. Either it works in UK or it doesn't. I'm sticking with Google Pay (used on a daily basis) as it's faultless for me. I doubt if my bank, the NatWest, will even work with Samsung Wallet.
Whilst I am waiting for Galaxy watch 5 in August, I got S22 U, I installed Sam pay and Google pay, few times tested both at my local Sainsbury.. Sam pay worked, Google pay didn't, so I deleted the cards from Google pay and added again and I should try it today Let's see what Sam is upto 👍
Wow, I'm surprised Google Pay didn't work for you. I'd probably give Samsung Pay/Wallet a go but I'm not sure if my bank is supported. I believe the NatWest had some security issues over it with Samsung.(?). Not read much about it lately to be honest. Finger's crossed though for Samsung as it's nice to get away from Google knowing everything sometimes. 😉👍🏻