Error processing payment

On checkout screen I am getting “Error Processing Payment”

The log says
Log error:

Array
(
[0] => stdClass Object
(
[code] => UNAUTHORIZED
[detail] => The Authorization http header of your request was malformed. The header value is expected to be of the format “Bearer TOKEN” (without quotation marks), where TOKEN is to be replaced with your access token (e.g. “Bearer ABC123def456GHI789jkl0”). For more information, see https://docs.connect.squareup.com/api/connect/v2/#requestandresponseheaders. If you are seeing this error message while using one of our officially supported SDKs, please report this to [email protected].
[category] => AUTHENTICATION_ERROR
)

)
Order status changed from Pending payment to Failed.

----------------------------------------------------
Square says that the The bearer token error will need to replace the word Token with your Personal Access Token. I am not even sure what this is

Please assist.

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Actions taken with no success
1. deactivated / reactivated plugins
2. switched themes
3. checked https status
4. tried different payment gateways / checked API's
5. Sandbox (sandbox actually works but not the live version)

Using WordPress
Current setup
Wordpress 5.4.2
PHP 7.3.18
Theme: Hello Elementor / Elementor pro

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