I hate to be that guy, but if you’re doing NFC payments, your card issuer is tracking you, AND selling your data. And of course, the merchant you’re using is almost certainly tracking you and profiling you for more ads, too.

There’s no way to do any sort of electronics payment with ‘nobody’ tracking you.

I trust Apple to be slightly less shitty than anyone else in the payment industry, but if you don’t want to be tracked its’ either cash, or you become one of those Monero dudes.