Can I use android Tap-to-Pay in my own application?

Question

I have a hobby project similar to a budgeting app. Ideally, I want the app to prevent me from making purchases I can't afford by monitoring contactless transactions.

This could either be a plugin to google pay (if that possibility exists?) or an app that delegates the payment to Google Pay after validating the inputs (eg, the amount being purchased, time/location etc)

I built a mock-up using Host-based card emulation on Android, but the experience was painful. This question: Payment through HCE implies I could use Google Pay or something similar.

So far everything I've come across deals with requesting payments from the user, to be clear - that's not what this is about. I want the user to use their own card to buy stuff unrelated to me, and the app just permits/denys the purchase.