Re: [w3c/browser-payment-api] Use navigator.payments singleton, factory method, or PaymentRequest constructor (#16)

In TAG review @triblondon said:

> I prefer a constructor. I'd definitely say no to a singleton unless it was a solid certainty that we'll never want a UA to be processing multiple payments at a time, since the instance provides a means of storing state which seems like it would become more useful as the API is extended in future.

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