What's the best Android app for making secure contactless payments with my phone at stores?

Google Wallet is a digital wallet application designed for Android devices, primarily facilitating secure contactless payments through NFC technology. It allows users to store credit, debit, and loyalty cards digitally, enabling quick taps at checkout counters without physical cards. The app integrates with a wide range of merchants and transit systems, supporting boarding passes and event tickets for added versatility. Security is a key focus, requiring device-level authentication like a PIN, pattern, or biometric lock to authorize payments, which enhances protection but has drawn some criticism for being restrictive compared to app-specific locks. Users report high satisfaction with its convenience, noting that it streamlines daily transactions and reduces wallet clutter. However, reviews indicate occasional technical issues, such as update glitches that may temporarily hinder functionality, and dependency on phone security settings can be a barrier for those preferring less stringent locks. For real-world use, Google Wallet is effective in busy retail environments or during travel, where speed and minimal physical contact are valued. Its continuous updates from Google improve compatibility, though users in areas with poor connectivity might experience delays. Overall, it's a reliable choice for contactless payments, balancing robust security with user-friendly features, despite minor imperfections in update reliability.