Are you sure? I am not referring to Apple’s App Store, I am only referring to the Apple Pay payment mechanism, which presumably is a relationship between the payment processor and Apple.

The bank would still be the one dealing with chargeback and chargeback related costs, I do not see why Apple would care or get involved.

However, I wonder if the biometric verification of Apple Pay merits a different response to chargebacks where the bank will not simply take the buyer’s side.