@tommythorsen -- The notion here is to allow payment app developers to structure their service workers in whatever way makes sense for them, independently of how they wish options to be presented to the users. The current proposal would allow multiple service workers to handle different options within the same wallet, or a single service worker to handle multiple wallets. There seems no reason to artificially constrain the way applications structure their service workers just to change how things are presented to users.
In terms of rendering, what I would *expect* -- since wallets are optional -- is that browsers would show app-level information for payment apps without wallets, and wallet-level information for payment apps with. They would appear "at the same level," so to speak.
So, for example, if American Express had registered two wallets (one app!), and Bank of America had registered one app (but not used the wallet concept at all), it would be reasonable to render this to the user as:
![wallets](https://cloud.githubusercontent.com/assets/2974852/23176137/760577aa-f827-11e6-8531-3b6b3c784f26.png)
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