Apple Pay is not working on my iPhone 13

iphone details: Iphone 13

For the last week my apple pay or anything in my wallet that needs to be tapped will not work. It doesn’t even come up with a tick it’s like a sensor is broken in my phone?? I’ve tried resetting my phone, updating it, and every possible trouble shooting I could do. Will I just have to replace my entire iphone? I really don’t have the money to do that it’s very irritating!

[Re-Titled by Moderator]