First, the fees that were noted are actually set by the networks: MasterCard, Visa, American Express. Second, the charges incurred at the merchant are set by their relationship with the party that provides services to them. Examples in Canada include Global Payments and Moneris.
So to answer your question, we the bank do not set any of those fees. The mobile payments in question are “tap and go” payments. They look like any credit card payment.