Correct. Though it's not the same on Android, you can be not-Google and do payments just fine, provided you have the same business relationships with the CC com

Correct. Though it's not the same on Android, you can be not-Google and do payments just fine, provided you have the same business relationships with the CC companies as a big merchant processor (good luck) Not a huge fan of Android, but Android's pretty damn open, the open advocacy orgs unfortunately tend to conflate "you have to say "yes" to a dialog about untrusted apps in Android! intentionally difficult!" with the debacle the years-long Apple stuff has turned into. I suspect we'll see less of that equivocation now that the petulance is nakedly visible, and gratefully, there's no longer billions spent on things like the "Privacy™" ad campaign, rushed after 100s of celebs had their nudes leaked from iCloud due to bad customer support.