When using contactless payment with my card, about 10% of the time the payment terminal tells me to insert the card to the reader slot instead and enter my PIN. I assumed this is a general security feature, but I guess it depends on the issuing bank then. This in Europe.
Garmin Pay, Samsung pay if you have a compatible bank and card, PayPal in Germany and sometimes banks' own systems.
I had a very weird (bad) experience with Curve support so I couldn't recommend it.
NFC payments work, it's only Google who claims a phone not patched for 8 years is safe and secure, but phone with working hardware attestation and patched 6 months ahead of everyone else is insecure.