@collegeitdept interchange reimbursement charts are Googleable. Typical effective (debit/credit) rate about 1.2% for most small merchants.
@collegeitdept yes, card not present is where to basic chargebacks form: 'Not what I ordered' or 'Card was stolen' merchant loses in both.
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@BrianRoemmele so. If there's fraud on in-app purchases Apple covers the losses? Even if Apple Pay is nearly 99.9% fraud free? -
@collegeitdept no fraud from 'card stolen' chargeback with Apple Pay. 'Not what I ordered' is fully on the Merchant. Never on Apple.
End of conversation
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