Apple Pay not working

So I've been recently having trouble with Apple Pay on my iPhone X running iOS 13.2.3. First, Apple Pay would not activate on double clicking the power button. I would then try accessing the Wallet app and the app would freeze.

If I tried accessing Apple Pay & Wallet through settings, the settings app would freeze. I tried restarting the phone several times and I still have the same problem.

Now, I just completely reset my phone and wiped everything from it. When I try to set up Apple Pay again, I'm always getting the message "Could not set up Apple Pay; An error occurs while setting up Apple Pay." Why am I constantly having Apple Pay issues, especially on a phone that I just wiped?