Apple Pay fees · UnifyPay

Apple Pay

Apple · launched 2014

Tokenised wallet that rides existing card rails. Merchants pay no incremental Apple fee, the cost is whatever the underlying card costs, but issuers pay Apple a share of interchange.

Digital walletPersonal & business2-3 days20 marketsCross-borderChargeback protection

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Official site ↗

Estimate

Representative of this rail in this market. Directionally useful, but not a quotable rate, confirm with the provider. Source: Underlying card rate; no incremental merchant fee.

Market

AU CA DK FR DE HK IE IL IT JP NL NZ NO SG

Current rate: 2.9% + ¥47
Cost on ¥100: ¥50
Since last change: −0.14 pp
Since 2019: −0.25 pp

Rate history, 🇯🇵 Japan

Online · percentage component

Rates are step functions: each level holds until it is replaced.

Revision log

Every recorded change, newest first, with the movement from the rate it replaced.

2.90% + ¥47−0.14 pp · −4.5%
13 Sept 2022 → current
3.04% + ¥48−0.11 pp · −3.5%
22 Nov 2020 → 13 Sept 2022
Repriced following competitive pressure in the market.
3.15% + ¥50First on record
1 Jan 2019 → 22 Nov 2020

Fees by market

Online pricing across every country where this method is available, with the cost on a ¥100 payment for comparison.

Market	Listed fee	Cost on 100	Effective	Since	Basis
Australia	2.9% + A$0.42	A$3.32	3.32%	12 Aug 2023	Estimate
Canada	2.9% + CA$0.42	CA$3.32	3.32%	20 Aug 2023	Estimate
Denmark	2.9% + DKK 1.95	DKK 4.85	4.85%	27 Jul 2023	Estimate