@chackett -- I think there's some confusion here. While payment _method_ manifests are represented as files, payment _app_ manifests are not. Payment _app_ manifests only exist in JavaScript, and are passed to `paymentAppManager.setManifest()` on the Service Worker registration object.
@rsolomakhin -- The primary (but I don't think only) issue with making this a normal event on the service worker is that the `canHandle()` code needs to be called in a carefully isolated context to prevent exfiltration of payment information to payment apps that are not selected by the user.
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