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Why is Tap to Pay available only for merchants?
(developer.apple.com)
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this post was submitted on 20 Dec 2023
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When you pay a merchant, the merchant pays processing fees, which in addition to running the service, help cover fraud and the rewards you earn with credit cards. If someone isn’t a merchant, you don’t want to actually pay them.
I would find it pretty handy if e-transfers were possible this way.