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Has anyone managed to modify either of the 3 stock payment modules (AIM, DPM, SIM) to work with secure bank card tokens and Apple/Android Pay, all of which are supported by Authorize.net in their latest APIs?

Now that URLs are no longer considered a ranking factor (one of many sources), is there still any benefit in rewriting them, especially with breadcrumb schema baked into the core? Has anyone done A/B testing? We have used this add-on for ages and are debating its retirement once migration to the new version of our shop is complete. Any insight would be greatly appreciated.