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Those aren't just payment apps, they're a payment service. Google, Apple and Samsung are "trusted" providers to process payments.
Some FOSS developer could theoretically make an app to process Google Pay but they'd need Google's authentication, which is never going to happen, for a variety of reasons.
I'd be interested to know what happens if you use one of the official apps on a rooted phone.
If you hide root, you're fine.
That suggests you can get credentials out of the phone, at least for non-google phones. I doubt that the Moto G that I just got has a security chip like the one in the Pixels and Iphones. It's possible though. I do want to start messing with the phone's NFC reader, though more as a general security thing than for payments in particular. Maybe I'll get to understand it better.