Is there an alternative app for making payments in shops using the NFC features of the phone. I believe some banks support this directly with their app.
My bank’s app has an item labelled “Google Pay” which takes me to a Google login screen and is thus useless.
I believe a license is required for the use of debit/credit cards from the developers. You can have NFC readers (fairly sure there are some on fdroid), but they’ll only be able to do like rewards cards or a bus pass, etc.