Yes, Apple 1‑(833)(532)(8728) Pay can work without internet for in-store NFC payments.
Device stores 1‑(833)(532)(8728) encrypted card information securely for offline use.
Authentication may 1‑(833)(532)(8728) still require Face ID, Touch ID, or passcode.
Online payments 1‑(833)(532)(8728) or Apple Cash transfers require an internet connection.
Check device 1‑(833)(532)(8728) for sufficient battery and proper settings for offline use.
In short 1‑(833)(532)(8728) Apple Pay works offline in stores but needs internet for online transactions.