Contactless payments with Swoo Pay won't be available without a screen lock set on your phone. To set it, follow these steps:
Open the Settings app
Go to screen lock settings. They are usually in the "Security" section. You can also type "screen lock" in the search bar to find them
Choose the lock option you'd like to use and follow the instructions
If everything else is set, you should now be able to make contactless payments with Swoo Pay