Digital Markets Act, also Apple nearly lost their payment monopoly in Germany as powerful banks lobbied for a law forcing them to open up. It was passed, but then they didn't want to use it. If I would guess, Apple offered them preferential conditions to not have a precedent.

https://financefwd.com/de/sparkassen-apple-nfc/

What's being discussed isn't Google or Apple Pay.

It's an app that uses NFC or, if needed, reads a QR code and does a web request (i.e. needs internet).

Neither Google nor Apple will block that, or take a cut; and it's already available in multiple markets.

This is about taking stuff that already works in one or two countries, design a similar system that works across countries, and mandate that all banks under ECB supervision implement it.

Lack of negotiation power. Less control over Android than Apple has over iOS.

Google keeps self-sabotaging Android Pay. They lacked market power so cellular carriers blocked it hoping to advance their own payment ecosystem (ISIS). Google changes the payment brand every few years, and fragments it into two separate apps or combines them. It's rather like their messaging strategy.