Hey Snoupy,
We use a native iOS app as a gateway for Apple Pay and pass shopping cart's data from the merchant's website to your phone. You do need to install the Checkmate app.
Merchants need to add our plugin to their store in order to make it work.
Secured? Yes, it is even safer than traditional checkouts. We only pass the shopping cart and an anonymous ID from the website to your phone. Credit cards stay within Apple Pay and your session is never stored.