Apple Pay Thumbprint doesn't work

When I try to use Apple Pay, the thumbprint won't work. After I hit the thumbprint a couple of times, I get a "enter passcode" field. The passcode does work to activate Apple Pay, but I want to know why the thumbprint doesn't work and if there is some preference or set up I need to go through. The thumbprint works to unlock my front screen.

Don't touch the thumbprint, use the home button. This is confusing.
George

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Apple Pay Thumbprint doesn't work

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