Phone-tap-to-pay is not a real blocker. In fact I think it should be illegal for all vendors. Just use your physical plastic card. Stick it on the back of your phone if you like.
Phone tap to pay is really handy and provides more security than physical plastic cards. It should just not be used by Apple/Google to block out competitors.
(Yes, I know banking apps can have their own tap-to-pay implementation on Android, but they all standardized on Google Pay because it's less work for them.)
(Yes, I know banking apps can have their own tap-to-pay implementation on Android, but they all standardized on Google Pay because it's less work for them.)