Under a plan by Visa, the fees that card issuers pay to Apple when their cardholders use Apple Pay wouldn’t apply on automatic recurring payments such as gym memberships and streaming services. Some banks are pushing back, undermining card networks Visa to change the way some Apple Pay transactions are processed. This change will reduce the fees that banks pay to Apple. Currently, banks pay the fee to Apple when their cardholders use Apple Pay. Under the new process planned, the fee will not apply to automatic recurring payments. When consumers load their credit cards on Apple Pay, Visa issues a special token that replaces the card number. This allows the card to work on Apple Pay and also helps protect the card in a potential data breach, among other benefits. Visa is planning to start using a separate token on recurring automatic payments. This effectively means that after making the first payment on the subscription, Apple will not receive a fee on the following transactions.