I also have the same problem and I've had it for more than a year now.
Android 13 - was hoping the update from A12 to A13 would fix this, but nothing changed. Very frustrating, feels like two steps back having to carry around my credit card everywhere. 😕
Updating the status of my problem with NFC:
I sent the zenphone 8 to ASUS for repair. They changed the main board (within warranty period).
Google wallet is working now. I can make payments with NFC. It was probably a hardware problem.