That's not true. Google Pay (or Wallet?) doesn't work on GrapheneOS. NFC and contactless payments work perfectly fine. You can use Curve Pay or in Poland BLIK via bank apps.
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I would say if you need to ask this, you might not be ready to expose your home sever to the internet. Please be VERY careful about this.
With that being said, setting up reverse proxy (nginx) on the VPS should not affect the reverse proxy on your home server in any way.
In the proposed setup, the VPS will be directly exposed to the internet - it's the "gateway" to your network. If someone gains access to the VPS, they have access to your home server and probably other devices in your network. So yes, you need to secure the VPS as much as you can. Fail2ban or Crowdsec are a good idea. Setting them up on the home server wouldn't really do anything against an attacker with access to the VPS.