Physical or Digital Service for Competition Entry Fee?

I'm trying to figure out if my app will be required to use apple pay or not. My app features cycling competitions that take place over a month. There is no single race day so there is no physical event taking place. Instead, you're considered to be "in the event" every time you ride specific sections of road for that period of time.

Unlike with, say, a telemedicine appointment, or a day-of race that you can't join if you don't have a ticket, there is no stopping you from riding your bike if you don't buy a ticket. The only difference is in whether you were riding as part of the event or not.

The answer to this question will inform whether I take in-app payments or go with a 3rd party processor. Any guidance would be super helpful. Thank you!

Physical or Digital Service for Competition Entry Fee?
 
 
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