Where is the NFC chip located on the N20U? Pay with NFC not as quick as my Note 8 was

Samsung Galaxy Note 20 & Note 20 Ultra
Where is the NFC chip located on the N20U?

Using Google Pay with NFC at my most frequented locations, I found at checkout when I hold my phone over the NFC pad it doesn’t seem as quick to give me the chime/confirmation that my Note 8 did. It could be I just don’t know where the sensor is on the phone and need to get more use to it but wondering if anyone else has noticed the same thing.

With my Note 8, I basically just needed to hover the top inch or two of the phone and not even need to be close to tap to get it to register. Same technique on my N20 yields slower results.

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