Apple Pay isn’t working since iOS 18.3 update

I recently updated my phone to iOS 18.3.1 and am now getting error messages with Apple Pay. I tried downloading a free app and I had to log in to validate my payment method. When I tried adding another card, I got a message saying the card was invalid. I also received an email from Apple stating a payment couldn’t be processed for my Apple TV subscription and am having no issues with any of my payment cards anywhere else.