I've used Lineage without MicroG, as a comparison, and that's becoming more-and-more unusable every day some lousy Android developer tethers their company's app to some feature exclusive to Play Services.
Depending on where you are in the world, there might be other NFC payment options for you.
In the EEA and UK, Curve pay works. Paypal made their own solution and is rolling it out, starting with Germany. Both work with GrapheneOS. Many banks also have their own solutions.