Great piece of insight here.. We know that Apple gets 0.15 percent of the transaction amount, but they also get a half-penny for every debit transaction and Issuers must make available for Apple Pay at least 95 percent of the cards in their portfolios. These fees come on top of various fees issuers will also pay Visa and MasterCard to tokenize their cards for Apple Pay to mask the cards’ actual account numbers. For instance, MasterCard is charging 50 cents to provision each token, while Visa’s fee is 7 cents, sources say.