I have the same problem. iPhone 13 mini. NFC is completely dead.
Apple Pay on web is working fine. On physical terminals the phone does not recognise card reader nor is able to recognise any NFC tag. What is worse - we have tried another 3 iPhones with the same IOS version and everything is fine so not sure what is the pattern here.
I was communicating this to apple support and they run diagnostic - no problem found. No workaround like resets are working.
TomasH31
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Update on iOS 15.6.1 - no change, NFC reader still dead on my iPhone.
Using my Apple Watch - NFC working as expected and no problems, it is reading payment terminals without no issue.
No change after an upgrate to IOS 16.1. iPhone 13 mini.
iPhone is not able to read any payment terminal nor nfc tag. Apple Pay working just fine (in Apps or Web).
Mine Apple Watch synced with the same phone working ok, able to read payment terminals just fine...