It will override the new login cookie set hook that set by the WooCommerce Payments or any other plugin during login request

reset-user-login-cookie.php

<?php

/**
 * Do not set a new cookie after the user try to login but not yet logged in and 2FA verified
 *
 * Jira Task: DEF-733
 *
 * @param string $cookie
 * @return void
 */
function set_cookie_on_current_request( $cookie ) {
    
    if ( ! is_user_logged_in()) {
        $_COOKIE[ LOGGED_IN_COOKIE ] = '';
    }
}

add_action( 'set_logged_in_cookie', 'set_cookie_on_current_request', 99, 1 );