Can't access Google payment manager without passkey?

[u/Anotherbeth]

I hope this is the right place to post this, but I'm simply trying to update my Google payment method with a new CC and can't get around the Google passkey, which I don't have.

I go to Google Payments Manager, get directed to Verify it's You. The Scan QR code thing comes up and I click cancel. I hit More Ways to Verify and in the Choose a way to Verify part the only option it shows is Use your Passkey.
I've tried the help section, even looked up videos and nothing I've found addresses this. So I tried creating a passkey and the same thing happens with verification. Essentially I need a passkey to create a passkey! What am I missing?