u/Dramatic-Peach-9564

I recently purchased a used iPhone 14 Pro and upgraded to iOS 26.4.2
I added debit card to wallet. The payment declines in some stores, but works in others.
My old iPhone 13 worked in all these stores no problem.
I called my bank they said everything looked fine on their end. I called Apple they ran diagnostics and ended up suggesting to book an appointment for hardware inspection or repair.
Has anyone else dealt with this issue? Or have any suggestions how to fix?
I’ve checked the card details are all correct. Date and time are correct.
If it works at some stores it should work in all?

Thanks