GrapheneOS is such a staple for me now. Been waiting for it to be released for the Pixel 8 since I got the phone at launch... it doesn't have the annoying search bar or the unmovable widget telling you the weather... Regardless of the security and privacy it offers... And its just pretty.
ADP, Chase, Amex, Citi, and my small credit unions apps all work. I think I had to turn that compatibility option on for Amex to get it to launch but no issues other than that.
"You can use all the other features of Google Pay on GrapheneOS, just not NFC contactless card payments. It's unlikely that will change. You can make NFC contactless card payments through your bank's app, if they happen to provide their own implementation, as opposed to relying on Google Pay."
Graphene passes one of googles 2 safety net checks, most apps will work, but some require google to have explicitly verified the users os, which grapheneos does not pass