I think I finally got it to work.
So I think this is why it was not working for the longest time.
1. If your e-commerce store is for example
www.abcde101.com/abantecartstore2. Then you must have an account with google under same domain name and then login under google ReCAPTCHA under the same domain name email address, i.e. john.dick@abcde101.com
3. Next create either V2 or V3 keys.
Previously I was using a different email address which was not under the e-commerce domain. for example I was using a yahoo.com email address.
regardless now both V2 and V3 works fine.
very interesting...