I'm pretty sure you can download the updates independently from carriers. After all it's the manufacturers' who update the software.
Just buy one. It's only $5.
According to koodo's webstore any sim sold after June 15 2015 is nfc enabled.
They have a phone compatibility info here;
It doesn't matter who your cellphone company is.
Your data and voice working fine and only text that's giving you trouble?
As others have suggested before pulling the batter and removing the SIM card often does the trick.
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