Im im the same boat. Luckily in ny case a local banking app has their own NFC card Funktion witch works flawlessly.

But no tap to pay would for me have been one of the greatest downsides with graphene os.

Tap to pay sometimes works if the banking app has its own implementation instead of relying on Google Pay. There’s a list[1].

[1] https://privsec.dev/posts/android/banking-applications-compa...