Without commenting on the appropriate level of charges, Visa and Apple provide very different services. For example, with Apple, you get administration of taxes in many locales as well as dealing with currency exchange. Also, I don't think sellers have to deal with chargebacks, although Apple might have their own version of a chargeback, but I am not sure.
> Also, I don't think sellers have to deal with chargebacks, although Apple might have their own version of a chargeback, but I am not sure.
They absolutely do, just through Apple, "Disputes".
Apple will refund the user the full purchase price (that's fun, $10 app, you get $7 after the Apple cut, and on refund, you have to refund $10, so you're actually out money).
And too many disputes will get your developer privileges restricted or revoked.
