@seanre Hello, if your phone does not have NFC technology, it is not compatible with making contactless payments, and using banking apps and Google pay, Samsung Wallet. It is a hardware issue and it is not correctable. Greetings.
Unfortunately you can't @seanre
NFC is hardware based inside the phone so you can't just add it i.e via a software download.
If you really want contact less payments vua Samsung Wallet or Google Wallet then I'd suggest to sell your current phone and use the funds to buy a model with NFC included.
I wish you all the best.
Daily Driver > Samsung Galaxy s²² Ultra 256Gb in Phantom Black.
The advice I offer is my own and does not represent Samsung’s position.
I'm here to help.