Can I use Google Pay for Passes without having a Merchant account?

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Currently, I'm willing to use Google Pay for Passes in order to let users add an event ticket to their google pay app. However, reading the documentation, apparently, I also need a Merchant account on Google. I would like to know if there is any other way to test without having a Merchan yet.

My goal so far is to be able to create just an event ticket class.

I have tried so far using my service account and issuer id, but I'm always receiving and 400 error.

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