Currently Chrome in incognito mode does not fire IS_READY_TO_PAY intent and assumes that the Android payment app returned "true", thus making it available to the user. For some apps, this behavior is not desirable. Therefore, it would be great to let apps specify the default behavior in incognito mode. This can be accomplished by adding a <meta> tag in AndroidManifest.xml:

<service android:name=".IsReadyToPayService"
         android:enabled="true"
         android:exported="true">
  <intent-filter>
    <action android:name="org.chromium.intent.action.IS_READY_TO_PAY" />
  </intent-filter>
  <meta-data android:name="org.chromium.incognito_value"
             android:value="false" />
</service>