I think we’re confusing two different threads here.
The other thread: AppleCard routinely rejecting all Digital Nomads regardless of credit score?, is dealing specifically with the Apple Card.
This thread, about Apple Pay and Wallet, shouldn’t have anything to do with Goldman Sachs.
Apple Pay transactions are entirely between your phone, your bank and the merchant. Neither Apple nor Goldman Sachs get involved unless you’re using an Apple credit card.
This is one of the reasons I like Apple Pay, unlike (for example) Google Wallet, where every transaction passes through a Google server on its way to your bank.