For me, it's both. I don't trust J. Random Food Service handling payments (and adding fees) for local restaurants when ordering via the web. (Most are too small to set up their own service, so they use crap like "GrubHub" or whatever.) I can just call them and pay them directly - costs less they get more. Also, now those payment companies can't track me since I'm not using them. I do use one or two large chains' phone apps because they seem trust-worthy enough and appear to be handling the payments themselves.
My mechanics (well, mine and my wife's) have web pages, but when you set up one appointment on them, they auto-add routine maintenance for you. While that could be convenient, neither of us drives like a normal person (I did ~4,000 miles per year the last 4 years, my wife even less), so it's really just a pain to have to cancel an appointment every time I make one. It's also scummy of them to set one up for me without even asking if it's what I want. It's a dark pattern of adding things to your basket without asking you, essentially.