unable to add any cards to Apple Pay

I have been unable to add any of my debit or credit cards to Apple Pay for nearly 6 months now. Every time I go to add the card I get the error message card not added and to contact the bank. The banks all say that everything is fine and I should have no issue with adding my card. The cards add perfectly fine to my spouse’s iPhone 12 but on my iPhone 15 Pro Max, I am unable to add any of them even cards that were in my wallet previously prior to upgrading. I have been going back-and-forth with Apple support and the banks and Apple is telling me that I need to have the banks escalate to the payment network operator (PNO) however I am getting a lot of pushback from the bank and the customer service representatives do not want to escalate. Can anybody please help with what I need to do in order to get this fixed? I have restored my iPhone back to the original settings as well as downloaded the iOS back onto the phone as per Apple support, but the issue is still not fixed. Thank you.