I'm located in Germany and even though Stocard advertise Germany as a supported country, I am unable to find any reference to pay in the app. I downloaded the app off the Play Store. Shame!
If you're in Germany, Sparkasse's stand-alone NFC payment app works without Google Pay. Unfortunaately I'm not a customer of theirs. According to Finanztip, Sparkassen and Volksbanken are the only banks in Germany offering their own NFC enabled payment apps.