Magisk won't be necessary, if you have the ROM from 03.12.2023. Then you can update the Xiaomi EU Module (APK).Have you resolved the Google pay problem definitively or do you still have to use magisk and update it every week?
I left the Xiaomi 13 Ultra for this annoying mess more than 1 month ago. I would like to know if you have found a permanent solution yet.
XiaomiEU Module app
Dedicated thread for tracking our XiaomiEU Module app updates for passing DEVICE_INTEGRITY (Google Pay)
xiaomi.eu