NFC Tag Reader

Apparently for devices newer than the iPhone XS do not have the NFC Tag option in the Control Center as it is always turned on.

The option only appears for older devices. For yours, just bring a NFC tag in contact to the top left of your phone (facing you), and it should read the NFC tag automatically.

https://www.reddit.com/r/shortcuts/comments/iv6228/ios_14_iphone_11_no_nfc_reader/

Another option if you want a bit of more manual control, you can setup a personal automation.  Automations + Create Personal Automation > NFC

https://www.lawyerstech.com/how-to-use-nfc-on-iphone/

Go to Settings > Control Center and add NFC Tag Reader.

The reader appears in your control center

None of those. The option may not be supported by your device or your region.

Sorry .. an update. Newer iPhones (XR, XS or later) do not need to include the tool in control center. They will work simply by presenting the phone near the reader.