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I had this happen to me on Saturday. Put the phone on the charger for about an hour in my G82 M4. Took off and came on the house and got the Apple Pay cannot be used message.
Rang apple who confirmed the hardware fault with the Apple Pay chip which i assume is the same as the nfc. No way to fix, you need a new device.
My phone is a 15 pro max and was only a week old.
If you get the message the support article will ask you to restore the iOS image on the phone. I did this and it doesn’t work. So if you get this message ring apple and ask them to run the diagnostic tool on the phone and this will confirm if the hardware has failed
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C63 Coupe
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