There are a lot of misguided readers here.
Touch ID is an authentication method. Apple Pay is a payment system. The two can (and often) work together, but aren't reliant on the other for functionality. You can use a passcode for Apple Pay if you choose to (there's an Apple support document that I quoted elsewhere that covers this).
Facial recognition would be another authentication method, in addition to passcodes, Touch ID, and the Apple Watch side button double-click that is used for Apple Pay.
Apple Pay uses NFC for the transmission of secure transaction data for a transaction. Apple Pay just needs some sort of authentication to send that transaction data.
You are not required to use Touch ID for Apple Pay although many people choose to use the fingerprint authentication method over passcodes because it is more convenient and arguably more secure.
Touch ID is an authentication method. Apple Pay is a payment system. The two can (and often) work together, but aren't reliant on the other for functionality. You can use a passcode for Apple Pay if you choose to (there's an Apple support document that I quoted elsewhere that covers this).
Facial recognition would be another authentication method, in addition to passcodes, Touch ID, and the Apple Watch side button double-click that is used for Apple Pay.
Apple Pay uses NFC for the transmission of secure transaction data for a transaction. Apple Pay just needs some sort of authentication to send that transaction data.
You are not required to use Touch ID for Apple Pay although many people choose to use the fingerprint authentication method over passcodes because it is more convenient and arguably more secure.