Did a soft reset and phone is back to normal.
But no option to disable or remove samsung Pay, just a force stop and it comes back eventually.
will research further with adb.
Trying to avoid paying for the pakage disabler pro; don't do any transactions on my phone.
Finding a solution is too complicated. And, not competant to play with rooting.
I will soon go to a new phone;
Samsung pay is a nuisance and chewing up too much of my limited data with other bloat ware on samsung phones.
It was good while it lasted but time to move on as soon as I can afford a different phone.