Why an NFC card stops working
The chip itself rarely fails. What usually happens is that the card holds the address of a service, and the service stops: a free trial ends, a subscription lapses, or the company that sold the card closes. The chip still answers every tap, with an address that now opens an error.
The other causes are simpler. NFC is switched off on the phone, a thick or metal phone case is in the way, the card was bent until the antenna inside cracked, or it is being held against the wrong part of the phone. This page tells you which: if the card answers, the chip is fine.