Speaking as someone currently in the throes of trying to get their website setup to accept Apple Pay...it is an enormous hassle. Probably 5x the hassle of setting up PayPal and 10x the hassle of setting up Stripe.

First you need to join the Apple Developer Program. Why? I'm not developing an app.

To join the Apple developer program you need an Apple device that will do two factor auth. So I go buy an iPhone 6 with a cracked screen solely for this purpose.

Then you need Apple to approve your DUNS number. I am one of the minority who already had one, so I didn't have to go through the whole process with Dun & Bradstreet to get one, but Apple would not accept it for several weeks until suddenly they did, with no change to the number or other company info.

And then, you need to schedule a phone interview! This is the point I'm at right now, so I can't tell you how many more hurdles there are to clear. I haven't had luck yet with the Apple "click here and your phone will ring any moment with a call from us" button on their website. Phone never rings.

And I haven't even got to the part where I pay $100 before accepting any payments, which Stripe and PayPal sure don't require.

You have to endure a lot of friction to eliminate payment friction for your customers.