Comment Re:Simple solution (Score 4, Interesting) 17
The extra cost of ApplePay to banks isn't borne by the individual using ApplePay (almost certainly Apple's rules for issuers using ApplePay will expressly forbid charging customers a fee for using it). Rather the cost of ApplePay to banks must covered by whatever base costs they pass on to all consumers (whether they individually use ApplePay or not). So no, you can't just "Use your bloody physical card" to avoid paying for ApplePay.
I imagine Apple would argue the use of ApplePay brings other cost savings (eg fraud prevention) and even "new business" that more than offset whatever Apple charges so there is in fact no net-cost to issuers that they have to pass on.
That might even be true!