Apple Pay not working with tap and pay

My Apple Pay has stopped working since 3 rd week of December, I have tried the following but it still won’t work

Uninstalled bank card and reinstalled, re authorised card, contacted bank , no issues they could see, still didn’t work.

Removed bank card , moved over to credit card , same problem.

Tried rescan of face , didn’t help.

Countless hard resets, no help either.

The double click with online purchases works fine , before mid December all was good, I have no issues with it where ever I have travelled through the uk or Europe over last 18 months , now it will not work.

I think the phone is damaged , any one got any suggestions?