Hi all,
On direction of thinking for the semantics of canMakePayment and hasEnrolledInstrument is captured in this blog post:
https://www.w3.org/blog/wpwg/2020/01/17/working-with-canmakepayment-and-hasenrolledinstrument/
Namely: canMakePayment does not require the browser to communicate with the payment handler, while hasEnrolledInstrument does.
If we move in that direction (see also this proposal [1]), then there should not be the need for both algorithms: "Steps to check if a payment can be made" and "Steps to check if an instrument is supported" because the API surface only needs one of them. They could be combined.
[1] https://docs.google.com/document/d/1C_xH-6sJb9UedrvifsvqS_2k_We0IlPSfWFo8Kg54ps/edit
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