Configuring iOS Certificates without enrolling on an Apple Developers Programme?

I’m trying to enable Apple Pay in my app (among others) but it seems so ridiculously complicated compared to the YouTubes where you just turn it on.

I’ve managed to verify my domain with Apple but I’m now having to “Configure iOS Certificates”. To do this I have to enroll in an Apple Developer Programme which will cost me £79 per year.
Is there a way of being able to accept ApplePay without doing this?

I note that when watching YouTubes on this matter, even “Updated for 2024” videos ( How To Enable Apple Pay On Stripe (2024 UPDATE!) (, it’s very easy but my Stripe settings seem to require all manner of additional complications.