Not working nfc for Apple Watch series 9

Transaction terminals at merchants, merchants internet, issues at the bank, to name a few.

Have you contacted Apple Support? They may be able to do remote diagnostics on the watch and check the NFC module. Apple Support does remote diagnostics on iPhones.

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 the NFC module is defective, it should be coved under warranty. You Apple Watch is less than a year old.

Unpair your Apple Watch, do a forced restart of both devices and then pair the devices. A forced restart is more than just turning the device off and on.

Unpair and erase your Apple Watch - Apple Support

Restart Apple Watch - Apple Support

Force restart iPhone - Apple Support

How do you know the NFC isn’t working?

Let’s trouble shoot the watch. What iPhone is it paired to? Is it updated to the latest iOS version?