Conceptually, I love the idea of promoting push payments, because it has so much potential to reduce "credential mishandling" fraud. I also like the idea of pu

Conceptually, I love the idea of promoting push payments, because it has so much potential to reduce "credential mishandling" fraud. I also like the idea of putting the browser in control over presentation because that has the potential to increase trust (i. e. a payment flow that takes place outside the context accessible by malicious JavaScript, or tweakable to different paranoia levels based on user and bank preferences. But I don't see this solving the acceptance cost problem. At the end of the day, too many people are living on credit, whether due to personal preference (point collectors) or financial need. That means any new API is just going to have to be poured on top of the existing, expensive, complex wedding cake of firms that is credit card acceptance. It might be nice to see something like FedNow arrive as a low-overhead option, but if you have to discard every customer who can't pay now, you'll also provide a link to a card acceptance option too.