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 You do not have to pay Apple for this
Just use Stripe 
 You can use Apple Pay through Stripe 
 But it’s through a “payment link” which is a redirect away from my site and adds extra steps to the UI

What I’m building required easy quick pay options otherwise I fear the UX will become poor and people will just not use it 

Is there another way without stripe payment links? 
 Use Elements? 
 Hmmm.. that’s what I’ve been trying to use and I thought I needed an iOS certificate, but you’re right that’s just for iOS apps, not web domains (for which I’m already registered)

I’ve been able to populate a Apple Pay “Buy” button using Stripe Elements, and when I click it the iOS pop-up appears, but the payment always fails 

I’ve tried with both test and live keys 

Any ideas?

Thanks for your help! 🙏 
 Go to “payment method domains”
Add your domain 
 It’s already added 
 Did you verify it with Apple Pay by putting a file in /.well-known