Unfortunately that's not how it works. There is a protocol at the payment processor for Apple Pay (at least) that has to be followed so that the device card number (not the card number on your card and not a "virtual card") is tied to the correct account. It's a whole thing. Most POS systems ship with support for it at this point. And you have to sign some sort of agreement so that you are compliant.

https://www.forbes.com/advisor/business/how-accept-apple-pay...