clear google play services, google service framework, google wallet cache (i personally went with data & cache). restart the device. open up google wallet (it would then ask for SMS permissions, in which you would have to enable it).
you don't have to make a payment to test, but just by removing and adding back your payment card to see whether it adds or not. If it does, go to NFC settings and change the secure element position to HCE (it;s works for me, but at this stage there is no large evidence to show whether this is the culprit or not).
By the way, anyone having battery drain from phone idle on HyperOS in general? I just flashed on my Peridot F6 and battery kinda looks good from idling alone (as i don't daily drive this phone yet). However on my F3 latest hyperOS, it drains 10% every 2 hours, from a possible wakelock from the android system. Tried everything but could not solve it thus i resorted to clean installing it again. would report my findings in abit.