Originally Posted by
tmiw
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.
It's a simple fact that Apple charges an additional fee and that someone has to pay that... so the transaction becomes more expensive to process. In the end that cost is passed on to the consumer.
And credit card payments normally are already among the most expensive payment options.