NFC: yes. Most new credit and debit cards have NFC. Can tap to pay at pretty much any retail store and some smaller businesses. There are still weirdly many phone models without NFC (especially lower end), but the situation is slowly improving.
Value-capped transactions: not really a thing if I understand right.
Excuse me but my aunt’s friend’s daughter’s boyfriend personally witnessed antifa refill a slurpee without paying and dump it all over a hard-working American CyberTruck for TikTok views while streaming as the vtuber personification of California High Speed Rail to an audience of hactivist furries.