NFC option missing

[ZT-9517e718]

Hi,
I am on stock andorid 10 on my brand new Zenfone 6 and I am starting to get mad with it. My NFC doesn't work. There is even no NFC option in "Connnected device" setting. WTF is going on with it ? Zenfone 6 is called Premium Phone and it's bugged like that ? I cant believe this. NFC is an essential feature for me, I cant imagine live without phone payments. 
I noticed that sometimes, after several phone restarts, NFC option appears. But I guess it shouldn't be the way it means to work.
It will be very short adventeue for me with this phone I think.

[Kolorowezworki]

Looks like hardware issue. NFC can be disconnected or connection is loose. The best you can do is return your phone to service center.

[ZT-9517e718]

NFC appears in safe mode. But it disappear again in normal mode. As for the test, I did it even in normal mode, first time when NFC option wasnt present, test didnt pass, and the second time when it was, test passed. So probably when NFC appears in option next to bluetooth, it works like it should, but when it is not present, it doesnt work too.

[ZT-9517e718]

My phone is updated

[ZT-9517e718]

Apps reset didn't help. After restart NFC disappeared. Also, looks like it appears every 5-6 restart.