“Payments via apps” - depends on if the Apps hooks into Google Pay features or if the App implements their own payment APIs. For latter like banking/transportation/p2p-payment Apps those potentially work - [LIST] Banking Apps that work on /e/OS … enter Apps you wonder about into the search field of the forum.
There’s no “e wallet app” that knows your credit card number and manages payments/subscriptions in a central place and could do nfc at pointofsale - see this response for microg, the surrogate package for lots of Play services: Google Pay/Wallet TapAndPay API calls prevent parts of banking apps (e.g. Vivid Money) from loading, issues related to isReadyToPay() already resolved · Issue #1245 · microg/GmsCore · GitHub