apple pay error (guess it can’t read nfc)

my phone is iphone 12 pro and I tried to use apple pay here but only my phone seems not working with nfc tags

I found even if there’s no nfc reader in settings nfc is automatically read, but mine was not That means I can’t find nfc reader and also I can’t use the nfc function

actually this is the very first time to use apple pay because I came from korea but my friends can use their apple pay well except for me here

should I visit apple a/s center to check whether it is a problem of my phone? or there are any other ways to solve this problem?