Chosen Solution
The Apple Pay function is not working but the Wireless Charging is working fine. I’ve found the below article, but not sure if it would be the same fix for this phone, rather than an iPhone 8. After replacing housing apple pay not working Any help appreciated.
I would imagine a new NFC antenna would fix it, but I can’t seem to find where it’s located. I think it’s that small ribbon assembly under the FFC and Face ID components.