[fps]

your cards themselves can disallow contactless payment when a chip reader is present. Discover did this to me when they sent me a chip card - I had been using my discover card contactless for a while with android pay, and all of a sudden it stopped working on all new terminals and started saying "insert chip", assuming the terminal had a chip reader in it. I switched to using my visa card with google pay and it continues to work mostly everywhere, even though I have a chip in my visa card as well.

I find I only use google pay when I'm not in a hurry or when I'm very familiar with the specific reader and it has a long track record of working. If I go somewhere new, I always use my card unless I have time and the store isn't busy.