Given that you are running the new OS, I would check with Apple Pay support. Having had two family members scammed (one Id theft, and the other fraud charges on card) I am cautious with these type of issues on the computer. That said I noted that in Monterey the selection are check boxes, not on/off sliders. Not a big deal but I would have someone running Monterey confirm that their screen is showing the same type of buttons.
The only other thing I can think of is turning off the install selection, then reboot and turning it back on after reboot to see if that makes a difference.