apple pay fees

Apple doesn't charge a fee for sending or receiving money with Apple Cash or for using Apple Pay to make a purchase. The only fee I can think of is for making an instant transfer from Apple Cash to a debit card (transferring to a bank account is free). See the following from Transfer money in Apple Cash to your bank account or debit card - Apple Support

A 1.5 percent fee (with a minimum fee of $0.25 and a maximum fee of $15) is deducted from the amount of each Instant Transfer.