> Also, Apple/Google pay uses the Visa/Mastercard/Amex networks whilst 8 out of 10 of all card transactions in Norway is via BankAxept. BankAxept payments are n

> Also, Apple/Google pay uses the Visa/Mastercard/Amex networks whilst 8 out of 10 of all card transactions in Norway is via BankAxept. BankAxept payments are near instant and has a very low transaction fee. A flat fee of 24 øre (0.03 USD) which most of the time a lot less than Visa/Mastercard that charge of 1-2%. For comparison, in Finland, where debit cards are all VISA and Mastercard, the merchant rate for those cards is usually ~0.3% (with Nets capping it at 0.75€). Non-EU cards have higher fees. (Finnish source e.g. https://www.yrittajat.fi/uutiset/572780-maksupaatteet-hintavertailussa-izettle-nets-vai-verifone https://www.yrittajat.fi/uutiset/572780-maksupaatteet-hintav...)