iOS 15.4 Beta 2 Adds 'Tap to Pay on iPhone' Framework

The second beta of iOS 15.4 adds code for the new "Tap to Pay" feature that Apple announced this morning. "Tap to Pay on iPhone" is designed to allow NFC-compatible iPhones to accept payments through Apple Pay, contactless credit and debit cards, and other digital wallets, without requiring additional hardware.

tap to pay iphone feature
Tap to Pay on ‌iPhone‌ is enabled in the latest beta, but it does require third-party providers to add support, so it is not yet available for use. There are no outward-facing signs of it that are visible to end users, but there's a new "PaymentReceived" sound file and images that show off the Tap to Pay interface.

MacRumors contributor Steve Moser has also discovered references to a "ContactlessReaderUIService" in the code, as well as mentions of alerts that end users will see. The feature will support reward passes and refunds.

  • ‌iPhone‌ ready to accept a contactless payment.
  • Hold your card or device to the seller's ‌iPhone‌ and wait for the success sound.
  • To accept contactless payments, turn on NFC and try again.
  • The payment timed out for your security. Try again when you are ready to accept a payment.
  • Multiple reward passes applied
  • Pay %@ %@
  • Refund from %@ for %@"
  • Try Again & Hold Card Longer
  • Use your ‌iPhone‌ to accept payments from contactless credit and debit cards, ‌Apple Pay‌, or any other contactless payment devices.

The Tap to Pay feature will work with the ‌iPhone‌ XS or later, and will allow supported iOS apps to accept ‌iPhone‌ to ‌iPhone‌ payments. At checkout, a merchant is able to prompt a customer to hold their ‌iPhone‌, Apple Watch, contactless credit or debit card, or other digital wallet close to the merchant's ‌iPhone‌ to complete a payment over NFC.

Stripe has announced that it will be the first payment platform to offer Tap to Pay on ‌iPhone‌ to business customers, including Shopify users, later this spring. Apple Stores in the U.S. will also roll out support for the feature later this year.

Related Roundup: iPadOS 15
Related Forum: iOS 15

Top Rated Comments

jaytv111 Avatar
11 months ago

I love it. Can’t wait to find out what real-world usage is going to be like. Hoping for easy and seamless transactions through the iPhone. It’s that easy! ? ? ❌
Real-world it's not changing much for existing businesses because you need to be a merchant to accept payments, this isn't for you sending money to grandma or whatever.

Most likely it'll help restaurants or others to have employees carry an iPhone to the table to accept payments instead of taking your card to a POS terminal. But for non-contactless cards they will have to go to the terminal.

I thought it can be used with Apple Cash? That should mean everyone can begin using it right away, unless I misunderstand.
You misunderstood. This is an option for Stripe and other payment processors to accept payments. It's not for sending money person to person. Or if you mean can you pay with Apple Pay Cash, then yes, Apple Pay Cash is a contactless debit transaction that can be processed like any other contactless debit. Funny enough tons of readers don't take it though because it's using Discover contactless and the program is different for Discover over Visa and Mastercard and not every reader understands Discover contactless.
Score: 7 Votes (Like | Disagree)
TheYayAreaLiving ? Avatar
11 months ago
I love it. Can’t wait to find out what real-world usage is going to be like. Hoping for easy and seamless transactions through the iPhone. It’s that easy! ? ? ❌
Score: 6 Votes (Like | Disagree)
genovelle Avatar
11 months ago
You will still need a swiper or chip reader for the millions of cards that don’t have wireless capabilities. They could also send them a quick invoice from the App and they can enter their information And pay that way.
Score: 3 Votes (Like | Disagree)
LeadingHeat Avatar
11 months ago
I wonder if they’re holding out on allowing Apple Pay peer to peer to work using this until some third party vendors are utilizing it. For all the FTC vultures out there ready to pounce on “anticompetitive” claims.

This seems like a no brainer to add for Apple Pay. Easier than texting someone, plus can be done with strangers. (Yard sales, Craigslist, etc)
Score: 3 Votes (Like | Disagree)
MozMan68 Avatar
11 months ago

This is just an API/SDK. They can easily write their own app to utilize this.
This...Square will just save money by not having to provide hardware for iPhones/iPads. Will still work!
Score: 2 Votes (Like | Disagree)
ApfelKuchen Avatar
11 months ago
Third World countries? This is similar to the countries that had minimal wired rural telephone service and only achieved "universal" phone service with the advent of cellular technology.

Developing economies have a tendency to skip expensive intermediate technologies (like dedicated card readers) and implement lower-cost/higher-tech solutions sooner. In rich countries banks and card processors can force their merchants to use higher-cost terminal systems (that they sell to the merchants). There's more vendor push-back in developing economies, for obvious reasons. So if the banks/processors want the big bucks (skimming a percentage of every transaction) that they get from near-universal implementation, they may have to forgo the ancillary revenues from selling card readers/terminals in order to gain that vendor acceptance.

This is another step towards the "death of cash." Governments prefer all financial transactions be visible/traceable (and potentially taxable). Banks prefer to not handle/safeguard cash. All but mom-and-pop businesses prefer that their employees not handle cash. So if the smart phones already in the hands of nearly the entire population can be used to reduce the use of cash in business... it's going to happen.
-----

Sometimes Apple uses its hardware/software platforms to create new services, sometimes they add new features to the for the sake of encouraging wider adoption of its hardware (once they have the hardware, they have an opening for selling unrelated services). I think this will turn out to be the latter - selling more iPads and iPhones to merchants, field service workers (plumbers, appliance repair, etc.).

Still... While for now this is all about accepting tap-to-pay cards, it will undoubtedly extend to receiving Apple Pay payments as well. Why would an Apple Pay user accustomed to tapping their Watch or iPhone on a payment terminal want to go back to pulling a card out of their wallet? Of course Apple Pay has been delivering a revenue stream to Apple since Day One.

Not only does this sell more devices to business, but as Apple learned long ago in the personal computer business, consumers tend to buy the same equipment they use at work for their at-home use. MS-DOS/Windows PCs at work, the same at home.

Altogether, Apple's control over software and hardware means that when they do offer a new capability like this, they're able to roll it out across several generations of product, not just the latest. Rapid adoption can be critical - an overnight software roll-out to an already-installed hardware base can translate to a one- or two-year head start over the fractured Android market. And once merchants are accustomed to using iPhones/iPads for direct payment, they're not going to be in a hurry to switch platforms.

=====
Getting back to government for a minute. Despite various government attempts (pushed by Apple's competitors, of course) to open Apple's platform, Apple's arguments for security/privacy tend to be supported by banks and other financial institutions. So an Apple that is a government ally in reducing/killing the cash economy is unlikely to get major regulatory pushback on maintaining a closed hardware/software environment. If Treasury says to Consumer Protection, "We need this to be locked down," Consumer Protection will start advocating the closed system as a form of consumer protection.
Score: 2 Votes (Like | Disagree)

Related Stories

Apple Pay Feature

Australia Continues to Scrutinize Apple Pay Amid Push for Regulation

Monday August 30, 2021 6:31 am PDT by
The government of Australia is considering creating new laws that could more heavily regulate digital payments systems such as Apple Pay, Google Pay, and WeChat Pay (via Reuters). An Australian government-commissioned report into digital payments systems has made a number of recommendations, one of which suggested actively regulating Apple Pay and other similar digital payments services....
tap to pay on iphone credit card

Square Could Be in Trouble After Launch of Apple's 'Tap to Pay' Feature

Friday February 11, 2022 2:35 am PST by
Apple's recently announced "Tap to Pay on iPhone" feature, a new way to accept contactless payments with no additional hardware required, could present challenges for the current key players in the contactless payment space, such as Square. Tap to Pay on iPhone allows merchants to accept contactless payments through supported iOS apps using an iPhone XS or newer. At checkout, the merchant...
iOS 15

Apple Seeds Fourth Betas of iOS 15.4 and iPadOS 15.4 to Developers [Update: Public Beta Available]

Tuesday February 22, 2022 10:07 am PST by
Apple today seeded the fourth betas of upcoming iOS 15.4 and iPadOS 15.4 updates to developers for testing purposes, with the new software coming one week after Apple seeded the third betas of iOS 15.4 and iPadOS 15.4. Developers can download iOS 15.4 and iPadOS 15.4 through the Apple Developer Center or over the air after the proper profile has been installed on an iPhone or iPad. iOS...
apple wallet drivers license feature

Three New iOS Features Expected for iPhones Later This Year

Sunday January 30, 2022 6:12 pm PST by
Apple finally enabled Universal Control in the macOS 12.3 and iPadOS 15.4 betas seeded a few days ago, but there are still at least three other features expected to be added to iOS later this year, including support for driver's licenses in the Wallet app. Below, we have listed new features that are planned for future iOS versions, along with a few features that are set to be expanded. Dri...
iOS 15

Apple Releases iOS 15.4 and iPadOS 15.4 With Face ID Mask Unlock, New Emoji, Universal Control, and More

Monday March 14, 2022 9:45 am PDT by
Apple today released iOS 15.4 and iPadOS 15.4, the fourth major updates to the iOS and iPadOS 15 operating systems that were released in September 2021. iOS and iPadOS 15.4 come a month after the launch of iOS 15.3.1 and iPadOS 15.3.1. The iOS 15.4 and iPadOS 15.4 updates can be downloaded for free and the software is available on all eligible devices over-the-air in the Settings app. To...
tap to pay on iphone credit card

Stripe Launches 'Tap to Pay on iPhone' Beta Program Ahead of 'Spring' Release

Tuesday February 8, 2022 9:28 am PST by
Stripe today announced a closed beta program for Apple's upcoming "Tap to Pay on iPhone" feature, with a sign-up form available on its website. The payment platform said the feature is "coming this spring" in the United States. Tap to Pay on iPhone will allow newer iPhones to accept payments via Apple Pay, contactless credit and debit cards, and other digital wallets, with no additional...
mobeewave

Upcoming iOS Update Will Allow iPhones to Accept Credit Cards Directly Using NFC

Wednesday January 26, 2022 6:00 pm PST by
Apple is working on a new payments service that will allow iPhones to accept payments directly on device with no additional hardware, reports Bloomberg. Right now, iPhones can accept credit cards with add-ons like the Square Reader, but Apple's new technology will eliminate the need for a third-party product. Individuals and small businesses will be able to accept payments with the tap of a...
apple pay

EU Plans to Hit Apple With Antitrust Charges Over Apple Pay

Wednesday October 6, 2021 7:26 am PDT by
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. 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...

Popular Stories

Emergency SOS via Satellite iPhone YT

Apple's iPhone 14 Emergency SOS via Satellite Feature Saves Stranded Man in Alaska

Thursday December 1, 2022 4:37 pm PST by
With the launch of iOS 16.1, Apple rolled out a Emergency SOS via Satellite, which is designed to allow iPhone 14 owners to contact emergency services using satellite connectivity when no cellular or WiFi connection is available. The feature was put to the test in Alaska today, when a man became stranded in a rural area. In the early hours of the morning on December 1, Alaska State Troopers ...
iPhone Measure Height

Newer iPhones Allow You to Measure Someone's Height Instantly — Here's How

Saturday December 3, 2022 10:23 am PST by
iPhone 12 Pro and Pro Max, iPhone 13 Pro and Pro Max, and iPhone 14 Pro and Pro Max models feature a LiDAR Scanner next to the rear camera that can be used to measure a person's height instantly in Apple's preinstalled Measure app. To measure a person's height, simply open the Measure app, point your iPhone at the person you want to measure, and make sure they are visible on the screen from...
General iOS 16 Feature Yellow

iOS 16.2 for iPhone Launching This Month With These 8 New Features

Thursday December 1, 2022 8:44 am PST by
Apple plans to publicly release iOS 16.2 for the iPhone in mid-December, according to Bloomberg's Mark Gurman. The update remains in beta testing for now, with at least eight new features and changes already uncovered so far. iOS 16.2 introduces a number of new features, including Apple's new whiteboard app Freeform, two new Lock Screen widgets for Sleep and Medications, the ability to hide...
iOS 16

When Will iOS 16.2 Be Released?

Friday December 2, 2022 2:13 pm PST by
Apple in late October began testing iOS 16.2 and iPadOS 16.2 updates, providing betas to both developers and public beta testers. As of now, we've had four total betas, with the fourth beta having been released earlier this week. iOS 16.2 and iPadOS 16.2 are expected before the end of the year, and we thought we'd try to narrow down the launch timeline. With only four betas released since...
14 vs 16 inch mbp m2 pro and max feature 1

Major RAM Upgrade Coming to Next-Generation MacBook Pro

Friday December 2, 2022 2:03 am PST by
The next-generation MacBook Pro models could feature faster RAM, according to a recent report from a reliable source. MacRumors Forums member "Amethyst," who accurately revealed details about the Mac Studio and Studio Display before those products were announced, recently provided information about Apple's upcoming 14- and 16-inch MacBook Pro models. The new machines are expected to feature...
iPad 10 Battery Pull Tabs

iPad 10 Teardown Reveals Why Device Isn't Compatible With Apple Pencil 2

Thursday December 1, 2022 10:48 am PST by
Do-it-yourself repair website iFixit today shared a video teardown of Apple's new 10th-generation iPad, providing a closer look inside the tablet and revealing why the device lacks support for the second-generation Apple Pencil. The teardown reveals the internal layout of the iPad, including its two-cell 7,606 mAh battery, logic board with the A14 Bionic chip, and more. As suspected, the...
android apple fix rcs

Google Again Criticizes Apple for Not Adopting RCS for Messages App: 'Their Texting is Stuck in the 1990s'

Friday December 2, 2022 10:54 am PST by
Google is continuing on with its attempt to convince Apple to adopt the RCS messaging standard, publishing a new "it's time for RCS" blog post. Promoted heavily by Google, RCS or Rich Communication Services is a messaging standard that is designed to replace the current SMS messaging standard. It provides support for higher resolution photos and videos, audio messages, and bigger file sizes, ...
ios 16 2 beta notifiation center

PSA: Older Notifications No Longer Hidden in Notification Center in iOS 16.2 Beta 4

Friday December 2, 2022 5:23 am PST by
In a small but significant change to the way the Notification Center works in the latest iOS 16.2 beta, older notifications are now shown by default without having to swipe up. In the current release as well as earlier versions of iOS 16, users do not automatically see older notifications in the Notification Center like they did in iOS 15, and instead must manually swipe up from the middle...
lastpass

LastPass Hacked for Second Time This Year

Friday December 2, 2022 4:04 am PST by
Password management app LastPass says it is investigating a security incident after an "unauthorized party" compromised its systems on Wednesday and gained access to some customer information. The information was stored in a third-party cloud service shared by LastPass and parent company GoTo, said LastPass CEO Karim Toubba in a blog post. Toubba said the hackers used information stolen from ...
Apple Card Savings

Apple Card Customer Agreement Updated for 'Upcoming' Savings Account Feature

Friday December 2, 2022 11:43 am PST by
Goldman Sachs this week updated its Apple Card customer agreement to reflect the credit card's upcoming Daily Cash savings account feature, which was expected to launch with iOS 16.1 but appears to have been delayed. "To enable new ways to use Daily Cash like the upcoming Savings account feature, we are updating the Daily Cash Program section of your Apple Card Customer Agreement," reads an...