Then I suggest sending an angrily worded letter to Visa, or Mastercard. They are in charge of how cards work, and they say you can use a real card, or a pile of proprietary Google shitware, or a pile of proprietary Apple shitware, and nothing else. So you can install one of those - Google and Apple won't let you - or use a card.

Can I suggest putting your card between your phone and your phone case?