I have asked in several stores (in Denmark) where contactless doesn’t work, but the terminal has the required hardware - The merchant has to pay a fee to enable contactless.
My auto mechanic bitched loudly about it, until I told him he wanted $200 for enabling “daytime running lights” in my rear lights, which is also just “flipping a bit”
The overseas market has been saturated with chips for 10-15 years, and contact less for 5+, probably notably more.