AFAIU, there's two forms of NFC payment:

- Adding your card to Google Wallet. - Using a banking app which actually implements payments via NFC.

Many banks used to implement the latter, but dropped it in favour of "just use Google Wallet". In the Netherlands, it seems to be all of them. This varies a lot per region.

I believe that the "just use Google Wallet" banks are the ones that don't work.

Also (as others have mentioned): many banks perform integrity checks, to ensure that you're using a software chain signed by Google.