Hi @step2far You should be able to uninstall Samsung Pay by tapping and holding the icon,there are three options - Select,Add to Home and Uninstall. Disabling involves opening Samsung Pay,going to the Menu-settings-use Favourite cards. Toggle the switch to off for Lock Screen,Screen off and Home Screen. see more here https://fixyourandroid.com/how-to/remove-disable-samsung-pay-app-galaxy-s-notification-bar/
To disable Bixby for modern Devices such as S20 Series ,Note 20,S21 series
I do not work for Samsung or make Samsung Products but provide independent advice and valuable contributions.
My Device- S21 Ultra 5G ( SM-998B/DS ) CSC= BTU , 12GB/256GB
One Ui 5.0,Android 13 .