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Web App using Payment Request API

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Has anyone used the new HTML Payment Request API in a web app?  I still don't understand how it is supposed to work.  I thought it stored credit card credentials so mobile web users could more easily make online purchases, but further reading makes it sounds like you have open a debit account with a 3rd party online "bank" (similar to PayPal). I know it's purpose is to make it easier to buy things on the web while using a mobile device.

In a best case scenario, it would allow you to monetize web apps, possibly PWAs, without having to give Apple/Google 30% of your revenue. My fear is that it requires you use a 3rd party "bank", which many users might not want to do.

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