it didnt bother me so far since im not sticking my ear on back of my phone while using it
at least for me, not very noticeable thou

so i decide to keep it till other issue coming up

nope i still will stick with the normal earphone, maybe add a portable adapter which come with amp and dac for better quality

for user not need to pay additional fees
but for merchant they still have to pay MDR to apple since they using their service just like visa and master.
and this is why not much country rolling out apple pay locally, maybe they still need to discuss bout the transaction rate within bank, merchant and apple

apple charge bank
bank charge merchant

if apple charge bank, and bank didnt charge MDR to merchant
which bank willing to loss/no earning for using this feature?