this type of bugs also can slip thru! the quality of non betas is more and more disappointing. now ios also have to worry about bricking, funny weird behaviours like androids. sad manFound this, but it doesn’t look good though:
What to do next
“If you restore or erase your iPhone or iPad, you might not be able to activate your device.
If you see either of these alerts, take your iPhone or iPad to an Apple Authorized Service Provider or make a Genius Bar reservation at an Apple Store. You can also contact Apple Support.”
https://support.apple.com/en-ca/HT208733#apple-pay-not-available