Google Wallet and Pay are the same core app in the background, just different skins.
I took Lwc726’s question as asking whether secured storage was broken on all Zirconia phones regardless of build, based on the period a few months back when only release 10.0.6 worked and the certified 10.0.13 and all 11 builds were failing tap-to-pay. If my assumption was correct in terms of the original question then the answer is that your phone needs to be certified with at least the Google Play system update installed, even if you don’t have the full security update.
But yes, none of the 12 or 13 builds released yet are certified, so tap to pay should not work on them yet, unless weird attempts are made and successful.