Apple Pay is a wallet that runs on top of an existing card gateway. Apple does not charge the merchant a fee. The merchant pays whatever the underlying gateway charges for the card transaction (Stripe, Adyen, Braintree, Worldpay, etc.). Apple takes its cut from the card issuer's interchange share.
Pulled directly from the vendor pricing page, verified 2026-06-19. We do not re-state any rate the vendor has not put in writing on their own site.
Apple Pay is for any merchant on iOS or Safari who already accepts cards. There is no separate Apple Pay fee, and acceptance typically improves conversion on mobile.
There is no scenario where Apple Pay is the wrong choice from a cost angle.
The number on the homepage of Apple Pay is rarely the number a finance team books. Below are the line items that almost always show up, sourced from the same vendor pricing page where possible.
Pass-through wallet; merchant pays only the underlying gateway rate. Apple monetises the issuer interchange share.