Thanks for that (factual) explanation. What do you think in this case the impact to consumer pricing is? If I use my HSBC card though Apple Pay, or I get a metro card through Apple Pay, where is the impact on my pricing?No, not in the slightest, especially in Europe.
Marketshare is not really a test in European antitrust law, the test is if they have a material ability to impact consumer pricing. Antitrust actions against companies with minority marketshares aren't uncommon in the EU.