My Apple Pay is not working

Update to the latest version of iOS, watchOS or macOS. Confirm that you have Face ID, Touch ID or a passcode set on your device. Make sure you're in a supported country or region. Check that your device is compatible with Apple Pay.

If you can't add a card to Apple Wallet to use with Apple Pay

I would contact Apple Support and ask for remote diagnostics and specifically if the NFC module is working properly.

If you’re in the US please call 1-800-MY-APPLE or outside the US, consult the support article below.

Contact Apple for support and service - Apple Support

If you prefer to go to an Apple Store you’ll want to make an appointment for the Genius Bar.

Genius Bar Reservation and Apple

Support Options - Apple

In my case, I am unable do touchless Pay at merchants.

Iphone 11 .. IOS 17.5.1

Can you fix my Apple Pay?

What doesn’t work with your Apple Pay?

What device and what iOS is it on?