Hopefully wireless payment do work on these, and they have face unlock working. That's really the 2 issues I have with grapheneos.
I know it's supposed to be for privacy nerd, and they will tell you you shouldn't use Google pay because it's bad for privacy and so on... But it's not the majority of people, most are willing to trade some privacy for convenience.
I'd be more concerned for face unlock. You take an OS that goes to the extreme to prevent any external intrusion to your phone and you enable an option to unlock it for anyone by holding the phone to your face?
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GrapheneOS doesn't support face unlocking right now, but they have a useful two-factor unlock option that requires both a PIN, and biometrics (currently a fingerprint on Pixel devices) to unlock the device while in AFU. It also allows you at the same time to use a long passphrase in BFU.
Here it's Google not wanting to certify GrapheneOS I think, despite their valuable contributions to the AOSP.
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In Germany, Paypal uses NFC payments. It works on GrapheneOS
You can use other contactless payments apps like Curve Pay. It requires Google Play services but with limited permissions. It takes a bit of setup but many people are using it.
Wireless payments skipping Google Wallet work just fine on GOS.
Google Pay only works on device/OS combos that have the specific blessing from Google. Only google can make it work.