English to Chinese Tech/Engineering IT (Information Technology) Apple Pay

Now Apple has its hand out for its share of the fees attributable to credit card transactions with Apple Pay. The merchant cost of Apple Pay transactions will be the same or more than a regular credit card transaction. Where is the efficiency from disruptive industry restructuring {that accompany the growth and make tech companies legends}? There isn't any.
现在，苹果想瓜分使用Apple Pay完成的信用卡交易产生的交易费。对商家来说，Apple Pay交易的成本会与普通信用卡交易一样高或更高。｛伴随发展、让科技公司成为传奇｝的颠覆性行业重组又带来了什么效率？毫无效率可言。
谢谢指正！