Does it cost to use Apple Pay?
Does Apple charge you to use Apple Pay?
iPhone X
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There is no charge to use Apple Pay.
There can be a 3% charge to use Apple Pay Cash if the transaction is funded by a credit card.
See the following from Send, receive, and request money with Apple Pay - Apple Support
- If you choose a debit card or pay with your Apple Pay Cash balance, there’s no fee.
- If you choose a credit card, there's a 3% credit card fee on the amount funded by the credit card.