NFC Not Working on iPhone XS Max

Apple Pay is not supported in our country. I changed my region and I use an international credit card so I have apple pay working. For example, I cannot learn the remaining money or top up the card by using the NFC-enabled public transport card in Istanbul. The app says it gives this support. In addition, we can become a customer through the application by bringing the NFC feature of our official identity closer to the phone for banking transactions in our country. Likewise, I cannot use the NFC feature on my ID card.

You are saying that using the NFC feature on the iPhone is entirely related to whether the Apple Pay system is supported in the country I live in. Not being able to use NFC without Apple Pay... How nice.