NFC works, but ApplePay, AirDrop doesn't

I've reviewed your continuation and made some corrections. Here's the improved version:

A few days ago, my Apple Pay tap-to-pay stopped working.

Apple Pay is working well.

NFC module is fine because I installed NFC Tools app, and the app detects AirTags - I turned off Bluetooth, Wi-Fi, and mobile internet.

I reset all settings, reconfigured all Apple Pay settings, added a few cards, and still nothing. I can't pay in shops by tapping.

I tried to share a contact by tapping another iPhone and share a file with AirDrop by tapping iPhone to iPhone. It doesn't work. :(

Does anyone have any ideas about what else I can try to do to fix it?

iPhone 14, iOS 18 (after the update, pay by tap worked fine for a few days)