Sorry for late answer, I saw this question accidentally today.
Jalyst, it's not that simple. Depends on several things. The Theory is one thing, in practice another.
There are NFC stickers with bluetooth, other NFC stickers without bluetooth. Stickers without BT don't communicate directly with the Phone, but can do payments (rabobank/Netherlands). Yet the SIM-card only hosts the secure element. Phone to SIM communication not via bluetooth. A Korean firm claims it made an "all in one NFC SIM-card", with whole NFC hardware onboard. (to make an NFC Phone of any Phone) Soon we see if its thru.
Google announced; Google Wallet doesn't work with NFC stickers !! And for N9 ? Depends on Nokia, depends on apps, depends on local virtual wallet systems, depends on.....
Looking at what Nokia said, yes, N9 can support payments next year. http://www.nfc-phones.org/secure-pay...are-solutions/ Everyday i'm busy many hours updating and adding info. Still a long to do list...

Did you know ?? Since 2009 there is already an NFC adaptor available for the iPhone. It's not from Apple. Same principle as an NFC case and stickers.