There is another thread where this issue is mentioned (https://nothing.community/d/4400-unable-to-use-nfc)
As workaround another user indicates that data cache of NFC service must be deleted and after doing it, reboot the phone (step by step is in the previous thread).
Some users are saying that this works for them, but was not my case, I had to do a factory reset and then NFC payments worked again, but only for 3 days!..today I have again the same issue with NFC payments.