New iPhone suddenly not accepting debit card Apple wallet

My previous iPhone (12 pro) accepted my debit card and I used it to pay EVERYWHERE. Now I’ve changed to latest phone(16 pro) and it won’t accept the same card. I’ve re-registered, checked permissions, verified how my name is spelled everywhere, manually or scanned the number entry, checked on my bank’s end (all is fine) and my bank is not on the “unapproved” bank list (it worked up until new phone).

fwiw: I tried to enter a different (also previously accepted) card for a different bank, same results.

help! This busy teacher doesn’t carry cards or a purse around anymore!!!

also: 🇨🇦