So, wait, Apple is bad, is abusing a monopoly etc., if Apple disallows certain things on their platform But Visa & Mastercard can get away with it for decades

So, wait, Apple is bad, is abusing a monopoly etc., if Apple disallows certain things on their platform But Visa & Mastercard can get away with it for decades with abandon?? Dictating EVERYTHING in EVERY economy and on EVERY store?!