Using Apple Pay no longer displays "pay with touch id"

When using apple pay, my iphone used to display "pay with touch id" and when the transaction was approved, the screen would change to say "done" and a green check mark would appear. Last week, I had to take my phone back to factory default and restore apps, music and photos. Now when using Apple Pay, the screen is black, and neither the "pay with touch id" (to indicate that the transaction is in progress) nor the "done" displays, and I cannot tell if the transaction is going through our not.
Does anyone have any ideas what's going on?
Thank you.

To be functional, Apple Pay must see the chip it uses, which only exists in the iPhone 6/6+.  Touch sensor is a security feature for the iphone 5s itself and is independent of Apple Pay.

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