Broken Apple Pay fix

I have an iPhone, and I use it to pay for Subway.

An Apple update occurred a few weeks ago, and since then, I have been unable to use Apple Pay without Face ID.

The problem was that the update made my default card to pay for transit go to None and I needed to change it back to a card.

Settings -> Wallet & Apple Pay -> Express Transit Card

Select the credit card you want to use to pay for your transit.