You could look at setting up a discord bridge on the matrix server to bridge messages between the two. Pine64 have had something like that for quite a while on their discord & matrix.
Also echoing what’s been said already, I did initially think this was some air pods style product from Pine64, as they prefix almost anything they make with Pine
You realise that in the UK and a lot of other countries people mainly pay by contactless and while you can do that with just your bank card, many link it to Google/Apple pay in their phone? The Amex UK app used to offer their own implementation as well for contactless payment, but they also supported Google pay/wallet so eventually decided to drop their Amex app implementation of contactless payments and just told people to use Google pay. Don’t equate them not gaining traction in your country with that being the case in general, especially if you’re from the US, where banking technology seems to be 15-20 years behind a lot of the time.