Do you have a ProxMark3?
Have you tried turning off Google Pay on both phones and scanning?
If your virtual card uses a fixed UID, that will be a step in the right direction, but the journey will not be over.
You need to know what chip would be compatiable with the transport system.
There are some that are easy but most a difficult.
Your easiest option to find this info out is with an actual card.
Could you open a seperate new account with a card?
Which City are you living in?