Is your feature request related to a problem? Please describe.
userCanPay currently only returns true when a card is added (at least on iOS, unsure about Android).

This is not always desired, and I'd like to be able to determine only if the device/user has Apple Pay support.

Describe the solution you'd like
Enhance userCanPay with an optional field like withCards: PaymentCards.added or withCards: PaymentCards.any

Describe alternatives you've considered
A clear and concise description of any alternative solutions or features you've considered.

Additional context
Apple Pay does support this in the PassKit SDK:

canMakePayments() - returns true if the device/user supports apple pay regardless of card status
canMakePayments(usingNetworks: supportedNetworks) - returns true only if the user has added a card for one of the supported networks. This is the method the Pay plugin currently uses.