Apple's partnering with Goldman Sachs and Mastercard to do payment processing, I don't think Apple themselves are doing payment processing per se, neither they

Apple's partnering with Goldman Sachs and Mastercard to do payment processing, I don't think Apple themselves are doing payment processing per se, neither they are certified to do it. What they can do is to generate alternative account numbers and passing that along with transaction details to Goldman Sachs(which is a bank)/ Mastercard (top 2 payment processing network) for actual payment processing.