Hello @CharlieHowes,
Possible solution here would be to add Google Wallet app to the locked screen shortcuts:
- Navigate to Settings, and then tap Lock screen.
- Swipe to and tap Shortcuts. Make sure the switch at the top is turned on.
- Then, tap Left shortcut and Right shortcut to set each one. Tap your desired app to set the shortcut.
- Once the shortcut is set, simply swipe the app shortcuts in any direction to open while you are on the Lock screen.
I hope you find it helpful. 🙂