Apple takes 0.15% of every transaction that used Apple Pay, though- https://www.macrumors.com/2014/09/12/more-apple-pay-details/

They haven’t developed it to not make money off of it.

Mastercard, Visa etc all take a fee for transactions.

There are serious costs involved in running an international payments system.

But that's very different from a proper 30% style cut.

Apple pay uses the Visa and Mastercard network though. It's on top of the V/MC cut. Apple only adds that you can use your card on the phone. You end up using your credit card anyways.

Exactly.

Apple has none of the risk and somehow thinks it is appropriate to charge per transaction AND customer. Yes, they charge the companies who wish to integrate with apple pay a quarterly fee per card.

Apple customers are footing this bill, of course, as vendors and banks aren't just going to lose money. Apple is way out of line, and apple customers would benefit from informing themselves.

They've made about $500 mil off of it in 2018 - https://9to5mac.com/2020/02/12/apple-pay-revenue/

Heading to a billion and beyond in the next couple of years.

Doesn't every single payment provider do this though?

Then can't they handle Epic's payments that way instead of - presumably - taking a 30% cut?