Android Pay can't be used on this device.

[Android Central Question]

"Google can't confirm that your device meets Android Pay's security standarts". There might be three possible causes for this kind of message: 1) the device has root-access; 2) the bootloader is unlocked; 3) a third-party ROM has been installed in this device.

 

[Rukbat]

Well, which of the three, if any, conditions are true? Since they all reduce security, Android Pay won't work under any of them.