@halindrome, regarding "open" v. "proprietary": It has been observed that for some payment systems, there is likely to be a 1-to-1 match between payment method and payment app, that is - it is likely only one app will support that payment method. We have taken, informally, to referring to those as "proprietary" payment methods. So far the distinction has been limited to discussions, but in the end, there may be no need to call out the distinction in the API(s).
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