I've had 3p cookies disabled for years and never experienced an issue with payments. But, it may be that I don't pay for things as often as others. My recommend

I've had 3p cookies disabled for years and never experienced an issue with payments. But, it may be that I don't pay for things as often as others. My recommendations will slightly break some things like embedded Twitter posts but it's rare that I experience a site being functionally impacted in ways I care about.