Same issue here. 2022 BMW with surface charger. I set my week old iPhone 15pro on the charger and when I removed it the screen turned white and I had to wait about and hour for it to reboot. The message said something about emergency restore. Then the Apple Pay stopped working. I was issued a replacement from apple yesterday due to them not being able to fix this issue. Apple’s Genius Bar stated “ ran diagnostics Mobile Resource Inspector (Diagnostics) determined issues with Apple Pay sensor.”