[w3c/webpayments-crypto] restructured into steps performed by payment handler and merchant (#16)

Restructured payment encryption read me file as discussed on call with Ian on 29th May. 
You can view, comment on, or merge this pull request online at:

  https://github.com/w3c/webpayments-crypto/pull/16

-- Commit Summary --

  * restructured into steps performed by payment handler and merchant

-- File Changes --

    M payment-encryption.md (87)

-- Patch Links --

https://github.com/w3c/webpayments-crypto/pull/16.patch
https://github.com/w3c/webpayments-crypto/pull/16.diff

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