I pay with a normal card but I’d say the majority of people around me pay with their phone.

Also, I need to use my bank app to pay for things online. I scan a QR code and confirm the payment with a pin or fingerprint. Correct me if I’m wrong but I think many bank apps also don’t work properly with graphene.

Edit: maybe I’m getting confused, I thought bank apps normally needed google play services and that because of that they don’t work on grapheneOS, but I don’t know if that’s correct