YMMV. I run sandboxed Google Play Services on GrapheneOS so almost every app works. My digital payments app works, and the same with most government apps I have tried. My private bank's app doesn't work, but I just use their website for the handful of times a year I need to access it.
Does NFC work with those digital payment apps on Graphene?
In India we use QR codes for payments. NFC in general does work (for example, I use a yubikey for 2FA).