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In my case, I don’t have the wireless charger or heated/cold cup holders. For the first two weeks the digital key was sitting on the charging space, and I always plug in my phone and place it in the bin right next to it.
After I activated the digital key, I though it best not to leave it in the car. Ever since, my phone boots up Apple Pay every time I put it in the same bin (not on the charging pad).
Seems like the key card blocked whatever signal generates the Apple Pay activation. I know you can deactivate the key card and leave it in the car, and maybe I should do that. Annoys me to have Apple Pay active every time I look at my phone.
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