@@jooggie17 NFC and Bluetooth are not the same. I'm not sure if your XR has NFC but you can try this. Go to Settings. Select Control Center. Tap the green + button to the left of NFC Tag Reader.
I haven't tried but should be able to since the payment gateway accepts visa and mastercard which is international. Do let us know here after you try. Thank you
They come in different pre-stored values. You can buy them from the following places: Lazada, Shopee, Convenience Stores (7-Eleven, Buzz Pods, Cheers, FairPrice Xpress), etc