Contactless payments with Swoo Pay won't be available without NFC turned on. To enable it, follow these steps:
Open the system Settings
Go to NFC settings. They are usually found in "More connections", "Connection & sharing", or similar sections. You can also type "NFC" in the search bar to find them
Turn on NFC
Check that Swoo is set for contactless payments in NFC settings (Tap & pay)
If everything is set, you should now be able to make contactless payments with Swoo Pay.