Apple is teaming up with Visa, MasterCard and big banks like Bank of America, JPMorgan Chase, Citigroup and Wells Fargo for its Apple Pay service, but it isn't clear how long the technology giant will remain on the same team with all of these players. Craig Wildfang, partner at Robins, Kaplan, Miller & Ciresi, believes Apple may eventually represent a threat to these financial companies. Wildfang ought to know, having won a record $7.5 billion antitrust settlement over interchange fees. Still, while Apple has agreements with some 200,000 merchants, that is a long way from the more than roughly seven million that work with Visa and MasterCard.