CardEmulation getServices method return null so that Null pointer exception occurs NFC functionality

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CardEmulation.getServices(CardEmulation.CATEGORY_PAYMENT).isEmpty()

above line of my code get NullPointer Exception, attempting to use isEmpty() method on null value. kindof. What could be causes for this exeception. How to resolve it?

I am expecting why this error occurs, what could be the issues for that. Issue might be Hardware issue orElse Software bug issue. Need clarification on that.

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