Hi
It may help to check that you are following all of the instructions here, including as demonstrated in the linked demo video:
Using Apple Pay in stores, within apps, and on the web - Apple Support
If the issue persists and you are concerned about a potential hardware issue, then I suggest that you contact Apple Support (remote diagnostics and/or mail-in service may be available), make a Genius Bar reservation or visit an Apple Authorised Service Provider for assistance - for an iPhone, for example:
- US: iPhone Service Answer Center - Apple Support
- Elsewhere: Apple - Support