Due to having an unlocked bootloader, I fail safetynet. So Google-Pay is locked out, even if I wanted to use it. I find cash or cards to inconvenient, since my dexterity is impaired.
So I looked into getting an nfc-token to pay with and found that my bank is partnered with Fidesmo. This would allow for mobile-pay without an extra party involved. They seem fine from what I found online and they do publish some client-code on Github, but I had never heard of them.
Afaik google-pay is prone to fail even with faked safetynet. Magisk can also fix safetynet, but I don't want to enable root-access. Kinda dumb that the way to fix overcritical security checks is to break security even more. :)
Currently using Google wallet tap to pay with LOS thanks to Magisk and PlayIngegrityFix, should be good for a while, though I would love a FOSS alternative that worked though getting the banks to trust that isn't going to happen :(