Sometimes I can't pay with the NFC of my bank application

[necxx]

Hello, I have a Redmi Note 12 5G and I don't use Google Pay, but I do use NFC to pay with my bank application, but sometimes it fails.
Do you know what it could be?
If I install the Xiaomi.eu GPay module could it help?
I repeat that I never use Google Pay, only NFC to pay with my bank application.

I have installed xiaomi.eu_SUNSTONE_OS1.0.3.0.UMQCNXM_14
Thank you