Yes, Russian MIR system works this way. https://glenbrook.com/payments_news/russias-mir-domestic-payments-system-adds-support-for-nfc-payments/ https://glenbro

Yes, Russian MIR system works this way. https://glenbrook.com/payments_news/russias-mir-domestic-payments-system-adds-support-for-nfc-payments/ https://glenbrook.com/payments_news/russias-mir-domestic-pay... Just an application which emulates the card over NFC. No need to Google Play Services. It's been this way for ≈10 years I guess.