Hi, I'm exploring Apple Pay integration into my app but something with the payment flow is unclear to me. I understand that I need to set up a merchant identifier and a payment processing certificate. I don't have a backend server, I'd only like to use the app itself to process the payments and already found some great tutorials to get started. My question is that how does Apple Pay know who is receiving the payment? Are those payments going to the bank account that is set up in AppStoreConnect or do I need to configure it somewhere else?