You need developer mode enabled for this right? Do you use any banking apps? The one I want to use for NFC payments doesn't work when developer mode is enabled. I am wondering if this is a global thing.

Ah yes, I'm pretty sure developer mode is required.

My banking app works for logging in to check account balances, even despite having a rooted device. Though, I have not set up any kind of payment methods, Android Pay, etc.