Solved
No secret key. Followed all instructions for mac and iphone.
Received an email regarding my upcoming bill. Suggested I login to my account to see Bill. Followed all directions for Mac and iPhone. Both mac and iphone are updated to the most current versions as is one password. My web account doesn't show billing, just New Vault, set up another device, sign out, iPhone app once logged in has no logo for the QR code. I'm at a loss.