NFC payments ARE supported by Graphene. Gpay is not, due to google not supporting it. If your bank app, has the option and no reliance to gpay you will be able to pay with your phone.
IIRC the project has a page with the ones that do work.
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NFC is working as expected on graphene. As is mobile payments, if your bank supports it.
Google pay does not work because Google does not allow it to work, there is not a technical reason behind that.
Or Kwrite of you want something simple.