REPLY: 1:229/664 64aa7a3b
MSGID: 1:153/757.22 662bb554
TZUTC: -0400
CHRS: CP437
 JH> Apple & Google get a small percentage of the Interchange Fee each time
 JH> Apple/Google Pay is used.

That was my next guess. The retailer takes the hit. I better have a closer
look at my POS statements. There are already different rates and charges for
each variety of dB and cc cards. 

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