Merchant adoption

How to foster Payment Request adoption?

Merchant value proposition

Pro

• A way to access different payment means using unique API
• Browser base payment experience may reduce friction and improve security

Cons

• Implementation fragmentation, can't yet rely on to aggregate payment means

Payer value proposition

Pro

• Consistent browser payment experience
• Payment instrument storage simplify checkout experience

Cons

• Low merchant support

Network and acquirer value proposition

Pro

• Security of card acquisition rely on browser
• Homogeneous integration maturity level

Cons

• Security concerns rely on not yet deployed capabilities

PSP value proposition

Pro

• Simpler way to provides payment methods
• Opportunities to provide new aggregation APIs

Cons

• Browser implementation not mature enough

Industry priorities

Whether or not related work is already happening within W3C, what are industry priorities?

Actors priorities

Identify one priority by actor:

• Merchant, conversion rate
  require mature support
• Payer, ease of use and trust
  require browser confidence
• Network and acquirer, security
  require tokenization and authentication
• PSP, easy to integrate solution
  require wide functional coverage