The Payment Request API provides a consistent user experience for merchants and users. It is not a new way of paying for things; instead, it's a way for users to select their preferred way of paying for things and make that information available to a merchant.
Many problems related to online shopping cart abandonment can be traced to checkout forms, which can be difficult and time-consuming to fill out and often require multiple steps to complete. The Payment Request API is meant to reduce the steps needed to complete payment online, potentially doing away with checkout forms. It aims to make the checkout process more accessible by having payment apps store a user's details, which are passed along to a merchant, hopefully without requiring an HTML form.
To request a payment, a web page creates a PaymentRequest object in response to a user action that initiates a payment, such as clicking a "Purchase" button. The PaymentRequest allows the web page to exchange information with the user agent while the user provides input to complete the transaction.
Represents the browser requiring the merchant (website) to validate themselves as allowed to use a particular payment handler (e.g., registered as allowed to use Apple Pay).