Just sharing the steps I took to be able to use wallet on my phone and watch, which were both purchased in 🇸🇦.
Added existing card from Wallet
For the error below, search for 'downgrade Samsung Pay framework' and follow the easiest step for you.
Before
After
I did a factory reset on my Watch 6 Classic and chose UAE as the country instead of KSA.
Watch now.
Good luck and I hope the above could help.
Watch working 😊
