The first time I read "US store X supports Apple Pay or Google Pay now" I was really confused. I didn't know that was a thing. Here (NL) contactless payments works with every debit card, physical or stored Apple Google/Pay, in every store. There is no difference between payment providers, everyone offers contactless payments and it works with every bank.
(The only exception are credit cards, but they are not used a lot, mostly for online purchases outside The Netherlands or when renting a car abroad.)
Last time I visited NL many shops (including Albert Heijn) only supported Maestro, so as a foreigner you effectively can't pay with Visa or Mastercard.
> Here (NL) contactless payments works with every debit card, physical or stored Apple Google/Pay, in every store
That's how it works in the US as well. You might be conflating Apple Pay with Apple Wallet, which stores your credit cards for tap-to-pay. Most people in the US use Apple Wallet/Google Wallet to digitally store their credit/debit cards, and use those cards to pay at the store by tapping the POS terminal.
For example, I use Apple Wallet for nearly every transaction, but I never use Apple Pay/Apple Card as the payment method.