Add loyalty card to Google Pay via Google Play Services API
Your app needs to be whitelisted by the Google Pay team. Yes, is very important, but...
I sent to Google Pay team my release SHA1 Fingerprint (https://developers.google.com/pay/passes/guides/get-started/basic-setup/native-android-sdk). After that, when install app directly from apk file, all start work great (when click on "Add To GPay" -> loyalty card add to Google Pay)!
But continued to not work when upload to Play Market(
After hard research... )
Solution: SHA1 Fingerprint need get from "Google Play Console > Release Management > App Signing > App signing certificate"