In reply to Philip Cohen.

Guess it's just Apple being greedy assholes but that's nothing new. None of this is necessary with Android Pay which works anywhere Apple Pay works with no additional charge to anyone and no agreement by any banks. It's kind of screwed up of Apple to be getting a cut of some fee when they don't provide any of the service that processes the transaction. Apple doesn't do anything more than Google does.

I'm curious what you mean by "discount fee"? Who is getting a discount?