[chicagobob]

That is not quite correct. Neither MasterCard nor Visa charge merchants any extra to use ApplePay. In fact, some merchant banks even lower merchant fees if they adopt secure payment methods like ApplePay.

MasterCard and Visa do pay Apple a minuscule fee (15¢ per $100.00, and less in Europe), however, it is smaller than the amount they expect to save due to reduced fraud from folks using ApplePay (and Apple apparently has also agreed to split some fraction of any fraud losses with them).

See also: https://en.wikipedia.org/wiki/Apple_Pay#Service