[vlovich123]

This keeps getting repeated in this thread & I keep not understanding it. If I downloaded Uber & set it up with the payment method that I need, why would that payment method suddenly change at 1am in India?

The way this should work is when you set up payment option X, it downloads the relevant payment info & then you're set from then on without any other modules unless you add a new payment option. Likely pre-bundle the generally "global" options (Apple Pay/Android Pay since those are platform-native & credit cards since those are likely small implementations).

The real reason is that you will always have drop-off because the download phase is split in two (on the other hand you'll have increase in installs because the app size is smaller). That would need App Store integration with the loadable modules so that you could say "Install these payment features of the app". This may not be a win because again, it requires the user to do more work. Simple for everyday users will often win the day even if inefficient vs more optimal options that achieve that optimality by pushing complication to the user.