Mobile payments used to work without any interference from Google through a bank's own implementation of the wireless payment protocols. On iPhone you got stuck with Apple's system (they restricted their NFC stack so competitors couldn't do this) but most phones were paying wirelessly without Google ever seeing a transaction.

Over the years banks phased out their NFC support and all moved to Google Wallet on Android, I think the last bank finished their transition a year and a half ago. A real shame.