I don't think so. These are heavily regulated and that's why Google Pay/Apple Pay is still not available in all countries after so many years.

So unless your bank allows that, which I doubt they'll, Google Pay is probably the only way to do contactless payment the traditional way.

Unless your country/city has a widely accepted third party payment system that doesn't go through the bank, like a digital wallet that you'll have to top up its credit, then maybe.

I'm incline to say that there's no way. I order to have secure payments you have to secure each and every step of the process. Without a big corporation under those steps no one in his right mind will gamble with payments

Considering it's a heavily regulated industry, I think what you're asking for is impossible.

There is Samsung Pay, Garmin Pay, Fitbit Pay, but all are big cooperations too and I think some only work on wearables. Another alternative are payment rings with a card in them.

Just use a wallet. How is this even a question?

Everything in the banking / point of sale space requires certification, thus there are few solutions that enter the space as it is a slow costly process that involves payment processors and banks.

• use the original cards
• Apple Pay
• Google Pay
• Samsung pay
• a few others
• various NFC cloning tools that will raise eyebrows at the checkout (flipper zero)

man, I wish. my bank's app used to have its own built-in contactless payment option (and it would even appear in Android's "default apps" section as a payment handler!) but then they moved to Google Pay "due to a popular demand" :/

Would you consider samsung wallet big tech?

They are much smaller than google (user base wise)

I am not entirely sure it can be installed on non Samsung phones and non stock roms

There are other payment solutions. I have never used them and do not know how widely they are accepted. Maybe Paypal, Venmo, and Square have POS solutions. I do not think they are NFC. Maybe QR-code based? This is from memory. Maybe someone else knows more.

But yes beyond the ones people talked about, crypto, and the three I mentioned I am not sure there are any others in the US.

Personally I just put my bank card inside my phone cover. Maybe not as fancy as NFC payment, but does the job.

Not that i am aware of. Our financial system is loaded with proprietary software. The only way i have found to fix it is to opt out as much as possible and use cryptocurrency which is what i have done

The Indian UPI System is a pretty great for this. I wish more countries adopted it/built something similar instead of relying on corporations.