Re: This is not...
Sorry, it *is* your phone, but it *is not* your Google Pay.
Any app can reject working on your phone if routed, that is up to the app dev to decide. For example, my cable company has an app that allows subscribers to watch TV on it, but only if not rooted.
My cable company of course fears that on a rooted system you might install something to record the video stream.
And Google Pay deems the security risk due to malware on a rooted phone too high.
I have yet to try the app of my bank on a rooted device, I suspect it will also refuse