apple pay iPhone 7 ios 13.3

Hello, i got a new iphone 7 so i decided to register my card to the wallet. I got an SMS my card is ready to use with apple pay. But when i try to pay with it (double click H. Button) it doesnt do anything. It seems more like that NFC chip is broken. (Its not because of terminal, my friend with same phone can pay with it on the same terminal ive tried it.)