NFC

Samsung pay works great with pretty much any case I've had and that's quite a few over the 6-8 phones I've had since Samsung pay came out. Not sure about Google pay because I never use it.
 
I used Google pay for the first time on the Note 10+ yesterday and I thought for a minute that the payment wasn't going to go through because with my Note 9 I got an NFC icon in my pull down notification bar when NFC was active but on the Note 10+ I couldn't see it but it all went through fine.

I have the Samsung Protective standing cover on my phone and it worked fine.