Thankyou for your explanation: still one question though.
Are NFC payments disabled because of root or custom Roms in general?
I mean, if I install LOS but I don't install Magisk (as I don't want to LOS to root the phone but just to extend its lifetime with security updates) are NFC payments disabled even if safetynet test is OK?
(e.g. I have this situation on an S5 mini - LOS 14.1, SeLinux enforcing, no Root, safetynet Check passed: NFC is working but can't make any payment, probably due to missing security chip - as per bluebite(dot)com(slash)nfc(slash)android-nfc-compatibility).