No both Google Pay and Apple Pay directly work with the payment terminal as if they were cards. You need to add your card to the app so that your bank sends the

No both Google Pay and Apple Pay directly work with the payment terminal as if they were cards. You need to add your card to the app so that your bank sends the necessary keys to your phone secure enclave but then it works perfectly fine offline. You just have to tap twice on a physical button and pass the biometric auth to pay.