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Maybe I'm just an old fart but this is baffling to me. Don't you have a wallet? Put your credit card in it.
I.. Do? What about the other stuff that uses gPay?
Idk, maybe I'm missing out on a whole unseen world of exciting money sucking subscriptions and other services but I've never felt any use at all for NFC phone payments. My sister uses Apple Pay and it looks to me just like using a credit card. I generally am seeking to buy less stuff rather than more so whatever gpay does sounds counterproductive.
"Tightly integrated with everything" sounds Gigeresque, like 100 corporations with their hands in my pants. I don't see the point of degoogling once the infection encompasses that much of your life. Might as well let Google join the party too.
Btw I'd be interested to know if any of those NFC payment apps (not just Google) will run on rooted phones.
I guess you elected not to read the original question. I'm looking for something to support using my phone to access things like the gym and the subway, in a privacy respecting manner. If that's not possible, I can continue with my regular methods.