Originally Posted by
RTW1
The real problem is that it's an expensive way to pay.... and the retailers have to foot the bill. Most countries have far more cost effective payment methods (even cash can be less expensive when the volumes are there) than paying by credit card, even more so when parties like Apple add to the cost by introducing additional fees.
There's nothing inherent to Apple Pay that makes it more expensive on the retailer side than just using a regular credit card...because that's basically what it is. And at least in the US, retailers already have ways to discourage card use and reduce their costs (such as charging extra or requiring a minimum purchase).
However, it is more expensive for the issuers, but they could have easily pushed for better terms or simply refused altogether if the cost was that big of an issue.