I have been using this phone since September and so far everything works well as supposed to be. GPay, Samsung Pay, 5G network 'both sim slots' everything is fine.
I live at UAE and using 5G network within the coverage area with Virgin Mobile 'formally DU'. I had the opportunity to test VoLTE and VoWiFi at Turkey and both worked fine as well. Every month i receive regular security patch updates along with other fixes from Samsung, expecting ONE UI 3.0 'Android 11' soon as they are about to finish beta testing at the selected countries. While i am writing these, N9860ZSU1BTJ9 installed on my phone, this is the last update i received at 12.11.2020 from Samsung with October security patch.
This phone supports SA/NSA/Sub6 41, 78, 79 5G network bands. Both Etisalat and DU using the same bands for 5G network, you can contact and confirm the 5G bands with your GSM provider or you can Google it.
Since i bought the phone, Samsung have made many improvements with the camera and system stability. After manually setting up my device according to my needs battery goes almost 2 days with me. Overall i am very satisfied with the performance of the device and just waiting a fully working GCam mod :)
Please view the pictures for 5G reference;
1 - https://imgur.com/5ZVDXhe
2 - https://imgur.com/3efgD7F
3 - https://imgur.com/REd619K