I think you're misunderstanding the EU's problem with Apple Pay, because like Google, Apple's branding around this is stupid.

The EU has a problem with Apple forcing everyone who wants to make contactless payments over NFC to use Apple Pay by not giving any other app access to the required NFC APIs, unlike Android which does allow alternatives to Google Pay. This has nothing to do with the "pay online with Google/Apple Pay" or "manage your Android/iOS app subscriptions with Google/Apple Pay", besides the fact that the service is named the same and uses the same underlying bank card data you give it.