New built ROM + Apk - you should be device certified then and you should be able to use Contactless Payment.
The apk installed will auto update fingerprints on the go if required.
If you want to use the PlayIntegrityfix Magisk module instead, then uninstall all updates for the xiaomi.eu rom fingerprint APK and uninstall it. Then flash the Magisk module and use the custom PIF.json file - which needs to be copied to /data/adb/ via a root manager.
So basically with the new ROMs rebuilt, you have two (2) options - standalone APK (by XEU) or PlayIntegrityFix Magisk module. Also this makes it beneficial for users who don't want to root their phones.