Also, in response to @ianbjacobs - When I see references to files in a web context, I would (possibly incorrectly) assume that these are accessible files.
Perhaps in section [Section 5.1 - Payment App Identifier](https://w3c.github.io/webpayments-payment-apps-api/#payment-app-implementation-technology), the reference to file could be changed to `object` and from now manifest is an object as opposed to a file.
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