I've come to realize one of the major reasons your device won't successfully set you up for Samsung or Google pay is because your device is ROOTED.
Samsung Pay cannot be used on a rooted device because Samsung devices include a security system named KNOX, and if you root your device, KNOX security is tripped. Samsung Pay will refuse to function on rooted devices for security reasons.
Google Pay does not work on rooted phones because they are not considered to be secure. This is because rooted phones give the user the ability to modify operating system settings, which can compromise the security of the device. Additionally, apps that involve a payment system such as Google Pay are not likely to work on rooted phones due to security risks. So in other words if you want to look up your device to know if their rooted or compromised in any way or form just trying setting up any of these two and you'll know.
Which is regional restrictions at first place See alot of people don't know what root even means But they live in an area where Google pay and samsung account are not supported there (PHONE been made for other place )
Instead of trying to make an account to see if it's rooted or not You can easily check for updates If there is any modification to the system a message will show up to confirm If updates get delivered regularly then it's not rooted
P.s some users can still make it work by simply taking out the Sim card
Kindly note that all the things you've mentioned are right, as the rooter device can't function Samsung apps in a good way. However, the rooted device should be checked by the service center.
