Actually if you google the changes that came with Kitkat 4.4.2 from Android itself, one of the changes includes a "tap and pay" option in the Settings under NFC. However this option is not available on the T Mobile note 3 after dating to Kitkat 4.4.2. also if you download the app from the Google Play Store called NFC check you will see that after running the check it there goes that is enabled the Android however HCE is not supported on this device, which it should be with Kitkat update.
That is what I am explaining. The HCE framework doesn't yet support the NFC controller in the Note 3. It uses NXP PN547. Google needs to update the framework to include that controller.