Apple gets a cut of the intercharge fees that the banks charge (much higher in the US than overseas), but it is not an additional fee to the merchant last I res

Apple gets a cut of the intercharge fees that the banks charge (much higher in the US than overseas), but it is not an additional fee to the merchant last I researched. A lot of the NFC issues were either competing tech, payment networks not being ready, people not understanding their system configuration, _or_ intercharge fees being different for that whole category of fees (not specifically Apple Pay).