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私は現在、iOS Mobile App の支払いを開発しています。支払いを行うために、アプリに PayPal を組み込むことを計画しています。Apple が、ネイティブの支払い API 呼び出し ApplePay を使用せずに、アプリで PayPal などのサードパーティの支払いを受け入れるかどうかはわかりません。
It depends what is your product.
If you're selling digital items (for example, some in app game unlock) then you must use In-App Purchase.if you're selling real products or services, you have to use any other source of payment.
Read More at In-App-Purchase-Guidelines