This is not normal. Take it to Apple to get checked out.
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I use my Apple Watch and it's flawless. I've experienced this behavior using a device, most recently a Samsung S23 Ultra.
Just to make sure, are you holding the top of the phone to the terminal? The transceiver is on the top edge, by the camera. I see a lot of people struggle, trying to use Apple Pay by holding the phone flat and center, and it makes sense that if you are doing that with a Pro Max, the transceiver will be farther from the middle since it's a bigger phone.
If you're tapping with the top of the phone already, then yeah, you should get Apple to take a look because that's not normal.
Nope it works flawlessly for me. Maybe your NFC chip got damaged by wireless charging, there was a big problem with BMWs killing iPhone 15 NFCs.
Anyway it's covered by warranty, just get it to an Apple Store and it will be sorted for free.
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