Same issue here too.
I thought it is coming from the new iPhone case I'm using.
I called Apple service and after the troubleshoot, they said everything is fine and requested a physical check on the phone (which was not achievable for me).
however I noticed it's not working even without the case as well.
If you remove the case, won't make any change
I was thinking the case has cause permanent damage to my phone's NFC reader.
So what's the plan now? are they even reading all this information here???