I know for sure that if users start filing complaints against you with Apple, they can simply ban your account entirely and for long. Some companies never recover from that and end up shutting down.

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parliament32 a day ago | parent | next [-]

AMEX was/is the old-school equivalent of this. They would unapologetically ban merchants from accepting AMEX (forever!) after even a handful of complaints/chargebacks. This is also a key part of why you see some shops/restaurants with the "no AMEX" signs on their terminals -- don't be fooled by the "AMEX is too expensive to accept" red-herring, the actual difference for AMEX vs Visa/MC is ~1%[1], really not enough to matter for most businesses.

[1] Average brick-and-mortar interchange fees for Visa and MC range 1.85% to 2.6%, AMEX is 2.5% to 3.3%.

	▲	greyb a day ago \| parent \| next [-]
		Anecdotal, but every small business owner I've talked to have said it's because of the 1% difference in fees, even with OptBlue. I've only had 1 business owner ever say it was due to chargebacks, a small tea shop in a Chinatown in Canada. They also don't take Mastercard for the same reason. This is also why American Express launched the Cobalt card in Canada, which had a 5x multiplier for eats, drinks and groceries, and pushed it so hard for years on social media and bus shelters, despite eventually starting to disincentivize it (it was a loss leader/upgrade feeder product for Amex). They wanted to win merchants back with a new generation of hip, social media savvy Amex customers.
	▲	lotsofpulp a day ago \| parent \| prev [-]
		AmEx also does not pay the merchant as quick as Visa and MC. And 1% is a significant cut for most retail businesses, as they have low single digit profit margins.

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lotsofpulp 2 days ago | parent | prev [-]

Are you sure? I am not referring to Apple’s App Store, I am only referring to the Apple Pay payment mechanism, which presumably is a relationship between the payment processor and Apple.

The bank would still be the one dealing with chargeback and chargeback related costs, I do not see why Apple would care or get involved.

However, I wonder if the biometric verification of Apple Pay merits a different response to chargebacks where the bank will not simply take the buyer’s side.

	▲	evermike 2 days ago \| parent [-]
		Sorry, I probably misunderstood and confused things. I was of course talking about the Apple App Store, when users file complaints about the app itself.