It depends on how the payment app works. Android provides a native Contactless Payments API which can be used by any wallet app. This is local to the device and works flawlessly on GrapheneOS as well. You can set your preferred wallet app for this feature under NFC settings.

Google Pay/Wallet is one of the wallet apps using this API. If you use Google Pay, you set it as your preferred wallet app, and Google will act as an intermediary between you and whatever payment method you've configured in Google Wallet. It's this Google Pay app that's broken.

Banking, payment and wallet apps that implement the Contactless Payments API work normally as they should. But, some banks have lazy developers, and just hyperlink you to add your card to Google Wallet instead.

I paid for my lunch with Curve Pay on GrapheneOS today.

The issue is banks being lazy and using google wallet instead of their own app. My bank used to allow me to use NFC to pay directly, then after merger with another bank the only option that was left was using google wallet.

> Are you sure about this? It was my understanding that NFC passes for gyms and stuff worked

This is only true for Google Wallet. It can be used as a normal wallet app for stuff like plane tickets, etc., but Google Pay requires the OS to be specifically whitelisted by Google. This is an incredibly anti-competitive move aimed at supporting Google's monopoly by deliberately disabling functionality on alternative (including much more secure) operating systems like GrapheneOS under the guise of security.

Curve Pay works fine on GrapheneOS, there's even an article by a community member talking about it: https://shkspr.mobi/blog/2025/06/contactless-payments-with-g...