Apple Pay issues for months on end

So my Apple Pay refuses to work. I went to two different iStores and even sent it into repairs. Still no working. Now some head of Apple Pay has take this unique case as his own. We have been on the phone 3 times. He suggested the issue was at the banks, but I physically went into Capitec and FNB to clarify the issue, they have no issue with my account using Apple Pay.

Please know that the Apple did work when I got it but not anymore and the cards can be added to my Watch but not my iPhone 14 Pro.

After struggling so long I’ve requested a new phone or a refund as it’s still under warranty.

Note if anything goes phone with your phone they have poor service and will prolong replacing the warranty device for as long as possible