I ditched GOS and went with stock. Then found that Garmin Pay works fine, but you need a garmin watch which I luckily have. Curve Pay seems to only work with Huawei phones.
So now I've reinstalled GOS and will use with garmin pay on garmin watch.
Trying to create a secondary profile as daily driver, but having lots of issues with google maps, whatsapp, waze and gmail verification which it won't do on GOS for some reason?