Earlier quoted context omitted.
There is nothing proprietary about Apple Pay on the web. It’s an implementation W3C Payments API.
As far as I can tell the W3C Payments API standardises the path from payment provider to merchant, but the customer to payment provider interaction is the proprietary part. I.e as a merchant I can easily integrate Apple Pay as an available payment option in the same way as others, but as a customer I can't use Apple Pay unless I'm using Apple sanctioned devices/software and have an Apple account. Other commenters men…
Yeah. It is called the Apple ecosystem. Don't like it? Don't use it. I personally have been very satisfied with Apple so far.