I have actually discovered that it is preferable to use cards and not contactless payments and here is why;

I use an aggregator website that links to all my bank and credit card accounts and presents all my transactions in one global list. Then I categorize them : groceries, health and medicine, rent, internet, phone, electric bill, clothes, restaurants etc. so transactions made with bank cards clearly identify the merchant. Transactions made via contactless payments such as Google Pay have those weird very long strings in them and it is very hard to see what I paid for and whom I paid. Sometimes I need to go to the website of the bank to see the transaction there where it is clear. What a waste of time. No, cards are better. Unless, of course, you truly want contactless to avoid touching surfaces for fear of catching a virus. Plus, for me it is literally faster to get a card out of the wallet than to get the phone, open the payment app, and find the card in the app with which I want to pay.