It seems like payment/e-commerce companies in general are shifting towards offering "express checkout" experiences nowadays - Shopify, Paypal, Amazon Pay, are a couple prominent examples. My former employer Affirm was also very concerned about owning the checkout experience/acquiring users up-funnel. It's a smart move, really.
We always hear about how payment networks manage to nickel and dime merchants to produce lots of revenue, so it was probably only a matter of time before other players in the process wanted a piece of that action.
