I think you're missing the point. You're focusing on the technical differences, but it's not outlandish to imagine Apple demanding a cut of all transactions on iOS over time.
It would start slowly, with a minor value-add (e.g., making it easier to put/use CC info in the secure enclave, or whatever incremental step they choose), and an announcement that in exchange for "easing payments and making them more secure", Apple will be charging X% of transactions with their system.
It would start slowly, with a minor value-add (e.g., making it easier to put/use CC info in the secure enclave, or whatever incremental step they choose), and an announcement that in exchange for "easing payments and making them more secure", Apple will be charging X% of transactions with their system.