[threatofrain]

App store fees and Apple Pay are different things. What people are concerned about are increased fees and side-loading apps, and we can have a separate policy discussion on capping fees and having separate stores.

What Apple Pay does is protect consumers from having to hand out their credit card information to random companies with less-than-Apple's reputation for handling consumer financial data. This is true both on and off the app store.

No other payment vendor is going as far as Apple to protect your financial data, and you most certainly will never have the negotiating position to make Target budge on how they do things.