Yeah, if you’ve got no internet then you can’t do all the nice internet things.

Pretty sure you’d need internet (wifi would do) to set up Apple/Google Pay on your phone, but I don’t think you need internet when out and about paying for things.

Apple seem to have no problem with it.

discussions.apple.com/thread/8204935

Looks like the Google one needs to phone home every so often, but should work for “a limited number of transactions”. Whether that’s by value or by transaction count I don’t know. It certainly seems to be instant whenever I use it, which makes me think it doesn’t rely on internet access.

…google.com/…/do-you-need-data-to-use-google-pay?…