Pay securely with an Android smartphone, completely without Google services: This is the plan being developed by the newly founded industry consortium led by the German Volla Systeme GmbH. It is an open-source alternative to Google Play Integrity. This proprietary interface decides on Android smartphones with Google Play services whether banking, government, or wallet apps are allowed to run on a smartphone.
I think it’s cool trying to figure out a way to do this without google, but it still won’t solve the fact that credit card payments aren’t private and are linked to your identity. As always cash is the way to go.
Also if you are still going to have a credit card (I mean fare I have one too) why not just use a physical card rather than paying on your phone?