Thanks for all the useful replies everyone.

Since Native Segwit addresses (Bech32) use lower fee as compared to Segwit addresses, then would it make sense to ask the online merchants to provide a Native Segwit address for accepting payment instead of a Segwit address?

That way, customers can complete the transaction by paying less fee and the online merchants benefit by enriching customer's experience.

As an exercise, I went through all the past payments I have made with the Bitpay app for different online merchants who accepted Bitcoin. And I noticed that most of them had provided me an address which began with either "1" or "3" which indicates legacy and segwit addresses respectively.

This also explains the fact that I often received a "high network fee" warning from the Bitpay app while making some of these payments.