this post was submitted on 13 May 2024
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DeGoogle Yourself
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Can't help with payments but if it's a loyalty card wallet you're after, zCard is excellent & allows you to add your own image/art for the card
Edit: just re-read your requirements, zCard doesn't use NFC. My bad, I should pay more attention. Still, it's a good app so i won't delete my reply just in case someone else finds it useful