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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...

This is a policy problem not a technology problem. If QR code solutions mandated the same policy they would have the same limitation.

That was my disclaimer, but I do prefer, regardless of what works on GrapheneOS, having a QR in my invoice letters. You could shine a light on the envelope and likely read it without opening, but having anyone be able to touch their phone to the envelope to see I owe Y$ to X sounds worse. It's also nice in email since there's less to copy over, and my PC doesn't have NFC.

I'd only prefer to have NFC over QR for in-store payment, and I transact way less money per month in-store.

You can also use NFC to just get a link, which is what you're doing with QR anyway.