EU Plans to Hit Apple With Antitrust Charges Over Apple Pay

The European Commission is planning to charge Apple with anticompetitive behavior with regards to Apple Pay, since it is the only payment service that can use the iPhone's Near-Field Communication (NFC) chip, Reuters reports.

apple pay
EU antitrust investigator Margrethe Vestager has been investigating ‌Apple Pay‌ since June last year, but the European Commission has since centered its focus on the NFC chip alone, according to individuals familiar with the matter speaking to Reuters.

The NFC chip in the ‌iPhone‌ and Apple Watch enables tap-and-go contactless payments, but ‌Apple Pay‌ is the only payment service that can use this hardware. On Android devices, multiple payment services can offer contactless payments using the NFC chip, but on the ‌iPhone‌, no rival services are allowed to leverage the NFC hardware.

The Commission's preliminary concerns also reportedly include Apple's terms and conditions on how ‌Apple Pay‌ should be used in merchants' apps and on websites. Concerns may have been raised by ‌Apple Pay‌'s wide reach and better user experience on the ‌iPhone‌ compared to other services, and accelerated by the growth of contactless payments during the global health crisis.

The EU competition enforcer is now believed to be preparing a statement of objections to charge Apple with anticompetitive conduct, which is expected to be sent to the company next year. The antitrust charge could put Apple at risk of a large fine and force it to open the NFC chip to rival payment systems in Europe. Similar investigations have also been opened in Australia.

Note: Due to the political or social nature of the discussion regarding this topic, the discussion thread is located in our Political News forum. All forum members and site visitors are welcome to read and follow the thread, but posting is limited to forum members with at least 100 posts.

Related Roundup: Apple Pay

Popular Stories

iPhone 17 Pro Blue Feature Tighter Crop

iPhone 17: What's New With the Cameras

Friday May 2, 2025 3:52 pm PDT by
We've still got months to go before the new iPhone 17 models come out, but a combination of dummy models and leaks have given us some insight into what we can expect in terms of camera changes. Apple is adding new camera features, and changing the design of the camera bump for some models. You might be skeptical of dummy models, but over the years, they've proven to be a highly accurate...
Beyond iPhone 13 Better Blue Face ID

20th-Anniversary iPhone Will Reportedly Feature an All-Screen Design

Saturday May 3, 2025 9:20 am PDT by
Apple's former design chief Jony Ive long dreamed of an iPhone with a truly all-screen design, and his wish might finally become reality in a few more years. The Information today cited multiple sources who said that at least one new iPhone model launching in 2027 will have a truly edge-to-edge display. The device's front camera and Face ID system would both be placed under the screen....
iPhone 17 Air Size Feature

iPhone 17 Air Expected to Have Battery Case Due to 'Worse' Battery Life

Saturday May 3, 2025 8:24 am PDT by
Apple's rumored iPhone 17 Air model will have "worse" battery life compared to previous iPhone models, according to a paywalled The Information report. In internal testing, Apple determined that the percentage of users who will be able to use the iPhone 17 Air for a full day without needing to recharge the device throughout the day will be between 60% and 70%, according to the report. For...
iOS 18

Apple Says iOS 18.5 Coming Soon, Here is What's New

Monday May 5, 2025 8:19 am PDT by
In its press release for the new Pride Band today, Apple said that iOS 18.5 is "upcoming," following more than a month of beta testing. We expect the iOS 18.5 Release Candidate to be released this week, and this should be the final beta version, barring any last-minute bugs or changes. The software update should then be released to the general public next week. iOS 18.5 is a relatively...
Foldable iPhone 2023 Feature Homescreen

Foldable iPhone Said to Have Two Key Advantages

Monday May 5, 2025 6:41 am PDT by
Apple plans to release its first foldable iPhone next year, according to several reporters and analysts who cover the company. In his Power On newsletter today, Bloomberg's Mark Gurman said the foldable iPhone will offer two key advantages over other foldable smartphones. First, he said the foldable iPhone will have a "nearly invisible" crease when unfolded. This means the device's...
AirPods Pro 3 Mock Feature

AirPods Pro 3 Just Months Away – Here's What We Know

Tuesday April 29, 2025 1:30 am PDT by
Despite being more than two years old, Apple's AirPods Pro 2 still dominate the premium wireless‑earbud space, thanks to a potent mix of top‑tier audio, class‑leading noise cancellation, and Apple's habit of delivering major new features through software updates. With AirPods Pro 3 widely expected to arrive in 2025, prospective buyers now face a familiar dilemma: snap up the proven...
iPhone Top Left Hole Punch Face ID Feature 2

iPhone 18 Pro Models Rumored to Feature Under-Screen Face ID With Top-Left Camera Hole

Saturday May 3, 2025 9:19 am PDT by
Apple's two-generations-away iPhone 18 Pro models will likely feature under-screen Face ID, according to The Information. The paywalled report today cited a source who said the iPhone 18 Pro and iPhone 18 Pro Max will have only a small hole in the top-left corner of the screen, to accommodate the front-facing camera, with all Face ID hardware moved under the screen. With under-screen Face ...
Foldable iPhone 2023 Feature Iridescent Search

Apple Plans Split iPhone Launch Strategy: Pro and Foldable in Fall 2026, Standard in Spring 2027

Saturday May 3, 2025 8:32 am PDT by
Starting in 2026, Apple plans to change the release cycle for its flagship iPhone lineup, according to The Information. Apple will release the more expensive iPhone 18 Pro models in the fall, delaying the release of the standard iPhone 18 until the spring. The shift may be because Apple plans to debut a foldable iPhone in 2026, which will join the existing iPhone lineup. The fall release...

Top Rated Comments

jarman92 Avatar
47 months ago
What is it that the EU doesn't understand about consumers not wanting massive fragmentation in every aspect of their lives? For example, if banks are allowed direct access to the NFC chip they're going to force you to open/use their terrible apps to use Apple Pay. Without Apple strong-arming them, they would have already done so in Australia.
Score: 35 Votes (Like | Disagree)
From Win to Mac Avatar
47 months ago
Perhaps a lawyer can jump in for this question: when a company is accused of antitrust behavior, isn't there a requirement that consumers are forced to use the product, or are at least significantly disadvantaged if they don't?

I mean it in the context of, no one is really forced to buy an iPhone, anyone can easily switch to Android. I contrast that with Microsoft's antitrust in the 90s, where they had 90% market share and much of the software was only available on Windows, which de facto forced everyone onto Windows.
Score: 26 Votes (Like | Disagree)
zorinlynx Avatar
47 months ago
Is this really an issue? I mean, Apple Pay is just a conduit, that allows a payment card provider to offer NFC on the iPhone. It's not like you're only limited to using Apple Card. I have all my cards in Apple Pay and can use any one of them, and it's exactly the same from my perspective as using the card directly.

Apple just provides a conduit and interface, not really the service itself.

If it were something like, only Apple Card can use Apple Pay, I'd get it, but it's not like that.
Score: 19 Votes (Like | Disagree)
HQuest Avatar
47 months ago

Concerns may have been raised by Apple Pay's wide reach and better user experience on the iPhone compared to other services
Quick, let us sue them for doing a good service, so bad services have a chance to fail even more.
— Europeans
Score: 18 Votes (Like | Disagree)
bandrews Avatar
47 months ago
Not sure if anyone has posted this yet but the worst part about opening it up to everyone is that banks can then force you to use their own proprietary contactless payment app. Not sure if it's still the case but when I had a Pixel 5 last year I was unable to add my Barclays card to Google Pay as Barclays only allowed contactless payments through their own app. A nightmare if you want to regularly switch between different cards from different banks. This fragmentation is a bit like the opposite of their USB-C decision which aims to simplify and standardise.
Score: 17 Votes (Like | Disagree)
Rigby Avatar
47 months ago

Thank goodness the UK left the EU
Yeah, well, at least you don't need Apple Pay to pay for gas, since there isn't any. :p
Score: 15 Votes (Like | Disagree)