You need to confirm with Apple the NFC module is working. But first a couple things you can check.
Do you use a case? Is it a large waterproof case? Do you use a VPN or ever used one in the past?
You need to have Apple perform diagnostics on your iPhone. It can be done in person at an Apple Retail Store or at an Apple Authorized Service Provider. You can also contact Apple Support and request remote diagnostics. Please pay particular attention to the NFC module.
If you’re in the US please call 1-800-MY-APPLE or outside the US, consult the support articles below.
Contact Apple for support and service - Apple Support
Genius Bar Reservation and Apple Support Options - Apple
Explore Service Locations