Hello Alooosh_2020,
Thanks for choosing the Apple Support Communities. We see you're having issues making payments physically with your iPhone. To start, what happens when you try to make a purchase? While we wait for that answer, the's try these steps in the article you found: Make purchases using Apple Pay - Apple Support
"How to pay using Apple Pay in stores and other places
With your iPhone or Apple Watch, you can use Apple Pay in stores, restaurants, gas stations, taxis, or wherever else you see one of these symbols1.
Pay with your iPhone
- To use your default card:
- If your iPhone has Face ID, double-click the side button. If prompted, authenticate with Face ID or enter your passcode to open Apple Wallet.
- If your iPhone has Touch ID, double-click the Home button.
- To use a different card, tap your default card to see your other cards. Tap a new card and authenticate.
- Hold the top of your iPhone near the contactless reader until Done and a checkmark appear on the display.
Pay with your Apple Watch
- Double-click the side button.
- Your default card opens automatically. Scroll down to choose another card.
- Hold the display of your Apple Watch near the contactless reader until you feel a gentle tap and hear a beep."
We hope this helps.
Cheers!