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.