I'm a bit confused. Every time Nick Shearer has spoken on this topic, he's indicated that these Apple Pay methods are very limited, and effectively provide the application hints (not promises) about whether there is some kind of payment instrument registered. It doesn't even allow the requestor to indicate which kind of card they're asking about -- it's just "is Apple Pay activated on this device in a way that it could, in theory, for some card, and I don't know which one, possibly but not certainly, make a payment?"
And I'm pretty confident that doing so does not involve any network interaction whatsoever.
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