Tap to pay is mostly NFC? So is there an alternative app?
Curve Pay has worked well for me. Only good alternative as it doesn't depend on Google Play Services too
I extracted a chip (by dissolving the plastic in acetone) from my card and glued it to the wriststrap of my Pebble watch :)
Yes you can use Curve pay.
Edit: Apparently that's Europe only? I'm in Europe so yeah. I didn't know that.
Paypay works as well (at least in Germany)
There's Curve Pay in Europe. In the US, I'm not sure.
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.