SPC does not handle payments, it handles authentication. SPC is designed to work in scenarios like Plaid and 3D Secure, not for what Apple Pay (or the app store

SPC does not handle payments, it handles authentication. SPC is designed to work in scenarios like Plaid and 3D Secure, not for what Apple Pay (or the app store) does. I believe SPC comes out of the Authn working group. > This specification defines an API that enables the use of strong authentication methods in payment flows on the web. It aims to provide the same authentication benefits and user privacy focus as [webauthn-3] with enhancements to meet the needs of payment processing. https://www.w3.org/TR/secure-payment-confirmation/ https://www.w3.org/TR/secure-payment-confirmation/