Apple Pay NFC Chip iPhone 6 went bad


apple pay has never worked on iphone, , after adding new card , giving shot still refuses work. have tried multiple merchants , cannot work conclusion nfc chip bad. luckily still under warranty have wonder if hardware problem, , if common one. possible others have same problem on iphone 6?
 

never had single problem using applepay on iphone 6. take genius bar.
 


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