Apple pay
I have loaded my debit card on apple pay and it does not work. I called the bank and they told me i need to contact apple. When i open apple pay it all looks good I hold it up to reader and it never reads it.
iPhone X, iOS 14
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Since we are all users here we cannot troubleshoot NFC issues. What you can do though is go to this link Contact Support and they can perform a hardware diagnostics while you chat with them or you can make an appointment at your nearest Apple Store Genius Bar for an evaluation.