iPhone NFC reading on different generations

From what I know, the iPhone can read NFC tags since 2017 (Core NFC) only on the iPhone 7, 7 Plus, and later. I also know that iPhone XR and later can read tags in the background. My question is the following : what is the difference between reading an NFC and being able to use the phone to scan a NFC ? Technically, paying with Apple Pay on an iPhone 6s, being the first to support Apple Pay is possible, but why is that phone model unable to read NFCS ? Thanks for the answers.

iPhone NFC reading on different generations
 
 
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