Walmart is the same. I believe it's very very slightly more expensive to process Apple Pay payments (Apple's getting a tiny fractional amount of the sale), and this was the actual sticking point.
Walmart rolled out their own QR code payment plan just so they didn't have to revshare anything. When you're the size of Walmart, you can get away with those types of decisions even though they are technically very much inferior
Payment services like credit cards demand a significant fee for a (nowadays) technically trivial service: instant cash-free payments. These could be replaced with modern instant bank transfer standards, like FedNow in the US:
These don't require external middle men (like credit card companies) and are therefore almost free. Unfortunately the US is late to the party (in India and some other countries these are already widely used for years), so many banks don't support FedNow yet.
