this post was submitted on 12 Dec 2023
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Have you literally done zero research into this? The vast majority of merchants in the US, and nearly 100% in many other countries, accept Apple Pay. Doesn't that strike you as awfully high if they actually had to sign up for it with Apple? And add an entirely new payment processor to their operations?
Apple is not involved in any capacity with processing Apple Pay transactions when you tap your device in a business. A Visa card loaded on an iPhone is literally just a contactless Visa. Apple Pay = Google Pay = physical contactless card. One single industry-standard protocol.
For web/app transactions, a merchant has to set up Apple Pay explicitly (though it's still actually processed by the same parties as entering the card number) but for in person, they just need contactless payments enabled on their card terminal. No extra steps, parties, or fees.
That graphic is really good. I've seen a lot of graphics that try to explain it but most of them make mistakes; that one is surprisingly perfect.
At this point I vote we just consider it trolling. The best case alternative is that it's merely aggressively-protected ignorance, and that's not worth engaging with either.
Hey, OP commenter here, you have been fully correct throughout this thread. Here is an apple engineer explicitly stating that you're correct.
I work with this technology, as well as dozens of actual payments processors, every day, so I find what they're saying absurd and ... just, the strangest hill to die on.
I've tagged them as a troll. If your app allows it, I suggest you do the same.
I feel like I've entered some Twilight Zone. You just keep repeating the same absurd claims about something but if you had ever researched it in any capacity you'd know how false those claims are.
"Apple Pay is accepted at over 85 percent of retailers in the U.S."
Look, it's really simple: If a store accepts contactless cards, it by definition accepts Apple Pay. They are the same thing to the merchant. There are zero merchants that take contactless cards but can't take Apple Pay.
As for costs, a random sampling:
Forbes:
US Chamber of Commerce: