Apple Pay is poised to cross the border into Canada this fall, but some Canadian banks are reportedly concerned that Apple wants a bigger cut of each transaction than it takes in the U.S.

The Canadian banks negotiating with Apple are Royal Bank of Canada, Toronto-Dominion Bank, Bank of Nova Scotia, Bank of Montreal, Canadian Imperial Bank of Commerce and National Bank of Canada, according to the Wall Street Journal, citing people familiar with the talks.

In addition to worries over high fees paid to Apple, these banks also want greater security than is used for Apple Pay in most U.S. locations. The Canadian banks are reportedly working through McKinsey & Co. consultants to require secondary authentication before a transaction is completed in Canada, which could be done with a customer typing in a PIN or using a one-time passcode in addition to a fingerprint scan.

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