They may be just didn't find a way to make ads better with payments APIs but seriously, I think the only reason why google didn't get into payments is the custo

They may be just didn't find a way to make ads better with payments APIs but seriously, I think the only reason why google didn't get into payments is the customer service burden also, why would the company which depends on ADs wouldn't want to see the result(purchases). Or may be they do have a product but no plan like always.