My Apple Pay is not working

Update to the latest version of iOS, watchOS or macOS. Confirm that you have Face ID, Touch ID or a passcode set on your device. Make sure you're in a supported country or region. Check that your device is compatible with Apple Pay.

If you can't add a card to Apple Wallet to use with Apple Pay

I would contact Apple Support and ask for remote diagnostics and specifically if the NFC module is working properly.

If you’re in the US please call 1-800-MY-APPLE or outside the US, consult the support article below.

Contact Apple for support and service - Apple Support

If you prefer to go to an Apple Store you’ll want to make an appointment for the Genius Bar.

Genius Bar Reservation and Apple

Support Options - Apple

Can you fix my Apple Pay?

What doesn’t work with your Apple Pay?

In my case, I am unable do touchless Pay at merchants.

Iphone 11 .. IOS 17.5.1

What device and what iOS is it on?