Payment Apps as all UPI/Banking Apps here first checks if SIM is inserted in device or not. I am using Paytm and Sbi Card application both saying same thing that you have not inserted a sim card.
What These 2 apps do is just check if SIM is there or not which used to work on Android Support 10 but Most of other banking/UPI Apps in India also sends One SMS from the SIM to verify it which used to work in Android Support 4.4 many years ago.
It’snot a “feature”, it’s something that used towork and now doesn’t.
You need to concentrate on solving the problem, not asking for a magical fix.
The first step is always troubleshooting.
Please give us something to work with.