I'm not sure if that's your issue, but try to unlock the screen first. I can't confirm it right now, but if i remember correctly i got the same message in my NFC payment app when tried to pay with my phone screen locked.
I have written a message to Nokia support, I'll let you know what they come back with. The truth is that I feel a bit like I've been ripped off.
Since I already had the phone swapped by the Carphone Warehouse once, I don't think there's any use in going back there (especially since it's been almost two months since I got the phone now).
I really hope Nokia gives me some sort of solution.
I'm in contact at the moment with Android Wallet support as Nokia support don't reply to my email...
I don't know if it's going to be of any use but I really hope I can get it sorted eventually, especially since I chose this phone over the Moto G5 basically because of NFC payments!