JeroenE To properly understand that you must know the payment system well. Paying via a bank card at a terminal is very different from a bank transfer with, for example, iDeal.
But the idea is correct: iDeal is also not free and there is always someone who pays. With iDeal it is the person who offers it (the store) and he can choose to charge it.
ApplePay is also not free, but is paid by the retailer in the transaction costs for debit card payments. On the web that will be true, so there is really no reason why you should offer iDeal and ApplePay.
Both cost money and eventually someone has to pay.