Google Pay is the only significant thing which does not work with GrapheneOS, but you can use a smartwatch.

Tested Garmin Pay so far, no problems.

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ᴄᴜʀꜱᴇ ʏᴏᴜ ꜰᴏʀ ᴘᴜᴛᴛɪɴɢ ᴀɴᴏᴛʜᴇʀ ᴛʜɪɴɢ ᴏɴ ᴍʏ ꜱʜᴏᴘᴘɪɴɢ ʟɪꜱᴛ

ʙʏ ᴛʜe waʏ, ɪᴛ rɪnɢs ʙeʟʟs, ɪ ᴛʜɪnᴋ maʏʙe a ʏear aɢo or more ɪ ʟooᴋeᴅ ɪnᴛo ɪᴛ anᴅ saw some menᴛɪon aʙouᴛ ᴛʜɪs. ɢooᴅ ᴛo see ɪᴛ's sᴛɪʟʟ a ᴛʜɪnɢ.

● Garmin Watches with NFC Payment (Garmin Pay)

Here are the main Garmin smartwatch models that support NFC payments at EFT terminals:

Fenix Series

- Fenix 8 series

- Fenix 7, 7S, 7X (including Pro versions)

- Fenix 6, 6S, 6X (including Pro versions)

- Fenix 5 Plus series

Forerunner Series

- Forerunner 965, 955

- Forerunner 265, 255 (including Music variants)

- Forerunner 165

- Forerunner 945, 745

- Forerunner 645, 645 Music

Venu Series

- Venu 3, 3S

- Venu 2, 2S, 2 Plus

- Venu, Venu Sq (Music editions)

Vivoactive Series

- Vivoactive 5

- Vivoactive 4, 4S

- Vivoactive 3, 3 Music

MARQ Collection

- All MARQ models (Driver, Aviator, Captain, Expedition, Athlete, Commander, Adventurer, Golfer)

Other

- Instinct 2S (rugged option with NFC)

- Enduro 2

- Epix series

Key notes:

- Works at any contactless/NFC payment terminal

- No phone or internet connection needed at point of sale

- Requires initial setup via Garmin Connect app with a supported bank

For the definitive list, check https://support.garmin.com/en-US/?faq=yhjgWHnUPr7ij5geQPCsE9.

Sources:

- https://support.garmin.com/en-US/?faq=yhjgWHnUPr7ij5geQPCsE9

- https://www.garmin.com/en-US/garmin-pay/

- https://www.wareable.com/garmin/how-to-use-garmin-pay-890

ɪ'm asᴋɪnɢ xaᴘo ʙanᴋ suᴘᴘorᴛ ɪꜰ ᴛʜeɪr carᴅs can ʙe useᴅ wɪᴛʜ ɪᴛ. ɪꜰ so, ɪᴛ wɪʟʟ ʙe eᴘɪc. mʏ ᴘʜʏsɪcaʟ carᴅ ʜas a cracᴋ anᴅ ᴛʜe nꜰc ᴅoesn'ᴛ worᴋ, wʜɪcʜ ɪs annoʏɪnɢ. ᴛʜɪs wouʟᴅ ɢɪve me ʙoᴛʜ mʏ nꜰc caᴘaʙɪʟɪᴛʏ ʙacᴋ, anᴅ mean ɪ ᴅon'ᴛ neeᴅ ᴛo worrʏ aʙouᴛ carrʏɪnɢ mʏ carᴅ wɪᴛʜ me anʏwaʏ.

ᴄᴜʀꜱᴇꜱ, ɴᴏᴛ ᴀᴠᴀɪʟᴀʙʟᴇ (ʏᴇᴛ).

ᴘʀᴀᴄᴛɪᴄᴀʟʟʏ ᴀʟʟ ᴄʀᴏᴀᴛɪᴀɴ ʙᴀɴᴋꜱ ᴛʜᴏ. ᴊᴜꜱᴛ ɴᴇᴇᴅ ᴛᴏ ʀᴇɢɪꜱᴛᴇʀ ᴀᴅᴅʀᴇꜱꜱ ᴀɴᴅ ᴏᴘᴇɴ ᴏɴᴇ. ᴡʜɪᴄʜ ɪ'ᴍ ɴᴏᴛ ɴᴇᴄᴇꜱꜱᴀʀɪʟʏ ᴛʜᴀᴛ ᴋᴇᴇɴ ᴏɴ ᴍᴏᴍᴇɴᴛᴀʀɪʟʏ. ᴍᴀʏʙᴇ, ɪᴅᴋ, ɪ ᴘᴀʏ ᴀ ʟᴏᴛ ꜰᴏʀ xᴀᴘᴏ.