[piperswe]

No, they don't. Apple isn't involved with the transaction processing at all, the phone just acts as an EMV device to transmit the payment details to the terminal.

[paulddraper]

Incorrect.

https://www.igeeksblog.com/does-walmart-take-apple-pay/

[piperswe]

Do you have a reference other than an SEO-optimized slop article? I don't see how Apple could possibly charge a transaction fee for Apple Pay.

Shopify agrees with me: https://www.shopify.com/blog/apple-pay-for-business

> Apple Pay doesn’t charge your business to facilitate the payment