Per Apple:
"If you're using a Mac with the Apple T2 Security Chip, Apple Pay requires the highest level of startup security. If you lowered your Secure Boot setting, use Startup Security Utility to raise it to full security. "
https://support.apple.com/en-us/HT209016
Any way around this?
Yes you can get around it, except on Macs (Mac Pro) with internal disks.
Startup with NO SoftRAID disks connected. Wait a couple minutes after startup, then connect your disks. This will bypass the Secure Boot issue.
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