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

We can make `payments` a singleton that hangs off `navigator` like this new API does:

https://w3c.github.io/webappsec-credential-management/#interfaces-credential-manager

And then add a `createPaymentRequest` factory function to it that returns a `PaymentRequest`. To check for feature detection you look for `payments` on `navigator` -- and if there are other features that we add in the future, you check for them off of `payments`.

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