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Failed NFC contactless payments

Hi. I have a Nokia 6 (TA-1033) running Android 7.1.2 - Phone is around 6 month old. Since having to phone I have not been able to make any contactless payments in store. I have tried: system restoring phone, running all updates, various payment apps including android pay and Google pay, different machines at different stores, removing cards and re-adding, positioning the phone accordingly to the location of the NFC chip. Everytime I try paying it just says "removed to soon" even though it is still in contact with the payment terminal. I've used a reader app to test the NFC chip and I'd does read cards, just struggles sending info. Any advice, workaround or fix gratefully welcomed!
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