I disagree they should be the same. Credit card fraud risk is much higher on the internet than in person for instance. Apple through iOS and the App Store I wou

I disagree they should be the same. Credit card fraud risk is much higher on the internet than in person for instance. Apple through iOS and the App Store I would guess, also has a significant edge in detecting and stopping fraud through name, location, etc. While 15/30% might be too high, it should be higher than a simple payment processor as the transaction is also safer for the merchant.