NFC and Apple Pay not working

I have purchased a brand new iphone 13 (or atleast that’s what THEY told me) and a few days into my new phone, i tried to try out nfc tags. i made sure my nfc was enabled and so i scanned one. it didn’t do anything. i did it with my mom’s iphone 13, yeah, hers worked. it’s also brand new like mine. i was going to return it but my 30 days of returning are up. just yesterday, i tried to use apple pay. i made sure i had all the right info. i scan it, it did nothing. it said apple pay included. i did it with my card tag, it worked. So, i’m wondering if there is a way to fix the problem.