I had this issue during the first beta on my 6S. Apple Pay was not available and showed it needed an update in the settings. I went to the Apple Store earlier today and found out that it is a hardware issue.
Did they ‘fix’ your hardware issue?
If so, what was it ?
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Same thing happened to one of our iPhone X's (Maxed out on Cards), restarting the phone fixed it. Everything reappeared.
Me too ...iphone x...genius appointment for Thursday just for peace of mind re. hardware issue.