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I'm guessing (I didn't read any of the links or other OPs) that since you're using the digital key NFC is integrated into the wireless charging area to confirm a 'key is present' for the car to start. Since Apple does things in a backwards manner having an active NFC anything turns on the payment app. You can disable the digital key or see if there's an option to disable Apple Pay from automatically turning on when a NFC antenna is close.
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2022 Porsche Boxster GTS Gentian Blue
2023 Porsche Spyder Python Green (on order)
2022 BMW M3 Comp AWD IOMG/Kyalami Orange (SOLD)
2018 BMW M2 Mineral Grey(SOLD)
2019 BMW X5 50i Carbon Black/Tartufo (SOLD)
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