Why not keep IAP as an option vs credit cards? Let apps offer a credit card discounts. If it provides additional benefits to you: it sounds like you're willing

Why not keep IAP as an option vs credit cards? Let apps offer a credit card discounts. If it provides additional benefits to you: it sounds like you're willing to pay a ~30% more. Apple is passing credit cards cost on to app store vendors consumers for an additional upcharge. How much is it? Comparing the percentage cut on a credit card: If I can earn 5% (3% on food and gas?), I'd assume the store is pricing some of that cost into it's products. Apple's model of easy cancel, harder to steal should be something other companies could MITM. Paypal, Amazon, square, and Google offer similar payment schemes. (Venmo to my knowledge can't be used to pay businesses). I get the feeling Apple is expanding into this area with their own credit card. If the choice is a 30% fee or free and no credit card option, this feels like an abuse of power.