Unistall your google wallet app, and go setting-google-leftbottom coner there will be a function said add payment card. Add you card there and even access your google wallet here, then it should work.( Do not install the google waller app)
Problem fixed, just uninstall the google pay app and go to setting-google-leftbottom coner there will be a function said add payment card. Just link your card and setup google pay there
After update there is a new problem with Google pay, when Miui14, my phone will say not meet safety requirement. Now it says there is a problem setting active account.