Who pays the fee when using Apple Pay?

I use a debit Mastercard, with chip technology, at Point of Sale in various restaurants, stores, and with online merchants. I heard there is a fee (I.E. 3%) charged to the store/merchant by the financial institutions for providing this cashless method of payment each time I swipe or insert my card. Since I do not like fees for myself or anyone else, I decide to switch to Apple Pay using the same debit card. I added my debit Mastercard to Apple Pay.

Question:

Is there a fee when I use Apple Pay to any of the following institutions: Store/Merchant, issuing financial institution, Apple, or the MasterCard company?

Thanks in advance,

EFW