Apple Pay NFC chip went bad

Apple Pay has never really worked so well on my iPhone, and even after adding a new card and giving it a shot it still refuses to work. I have tried with multiple merchants and cannot get it to work so my conclusion is that the NFC chip is bad. Luckily I am still under warranty but I have to wonder if this is really a hardware problem, and if this is a common one. Is it possible others have the same problem on their iPhone 6?