EU Officially Objects to Apple Limiting Third-Party Access to Apple Pay NFC Capabilities

In line with a report late last week, the European Commission today officially announced that it has issued a Statement of Objections to Apple over its restrictions that prevent third-party services from accessing the NFC capabilities of the iPhone, thereby restricting competition in mobile wallets on iOS.

Apple Pay Feature
The statement is a preliminary view that will need to be confirmed with further investigation before any consequences can be administered, but lays out the direction the investigation is headed.

The European Commission has informed Apple of its preliminary view that it abused its dominant position in markets for mobile wallets on iOS devices. By limiting access to a standard technology used for contactless payments with mobile devices in stores (‘Near-Field Communication (NFC)' or ‘tap and go'), Apple restricts competition in the mobile wallets market on iOS.

European Commission Executive Vice-President Margrethe Vestager argues that access to NFC is a requirement for viable mobile wallet services at brick-and-mortar locations.

Our concerns relate to Apple's decision to block access to the NFC technology for payment purposes and use it solely for its own mobile wallet, Apple Pay. As a result, users of Apple devices can only pay with the ‘tap and go' function using Apple Pay and not with other wallets. This is because competing wallet developpers need access to the NFC on Apple devices to reach Apple users.

Developing a mobile payment application is costly. Investment may only be worth it if developers can reach both Apple and Android customers. Evidence on our file indicates that some developers did not go ahead with their plans as they were not able to to reach iPhone users. This behaviour stifled innovation and prevented competition in the mobile wallet market. As a result, European consumers have little choice of mobile payment solutions when paying in shops.

Vestager mentions that Apple has cited security as its rationale for not allowing third-party access to NFC, but that regulators' investigation have not found any evidence of that risk.

Top Rated Comments

5232152 Avatar
26 months ago
As the world is shifting towards mobile payment across the world it is only fair that the people has access to the technology on fair terms and not on the cooperates terms. Power to the people.
Score: 32 Votes (Like | Disagree)
mlody Avatar
26 months ago
How about the same geniuses come to states and force Home Depot, Lowes, Walmart, Marianos and many other big box stores to also open up NFC and allow people to pay with such tech as apple pay etc.
Score: 28 Votes (Like | Disagree)
Paul Shields Avatar
26 months ago
If I wanted 15 different apps to pay for things I'd buy an Android phone
Score: 25 Votes (Like | Disagree)
singularity0993 Avatar
26 months ago
Why do people defend Apple for this? Such restrictions severely limited iPhone’s capabilities. My friends are able to authenticate at the main gate simply by swiping their Android phones while iPhone users have to search for their card in their wallet every time. Popular payment systems in my country are also forced to use QR code instead of NFC because iPhones don’t have support (Apple Pay is available but nobody really uses it). As an iPhone user I’m frustrated by such software limitation and absolutely supports EU on this.
Score: 22 Votes (Like | Disagree)
contacos Avatar
26 months ago

Apple has cited security as its rationale for not allowing third-party access to NFC

Apple either thinks we're all idiots, or that we're three-year-olds walking around in circles bumping into furniture.
I also find it kind of ballsy from Apple to claim that they are the only ones to understand security somehow ??‍♂️

Lets face it, anything is more secure than the waiter of American restaurants storming off with your credit card to pay. Every time that happens I am like wtf. Here in Germany, they are not even allowed to touch your card, not even to place it on the handheld for you. You have to do it yourself.
Score: 22 Votes (Like | Disagree)
Rychiar Avatar
26 months ago

How about the same geniuses come to states and force Home Depot, Lowes, Walmart, Marianos and many other big box stores to also open up NFC and allow people to pay with such tech as apple pay etc.
Agreed! I’ve had to go to Home Depot and Walmart so much lately for yard work stuff and it’s annoying as hell to not be able to use Apple Pay like I do everywhere else
Score: 16 Votes (Like | Disagree)

Popular Stories

maxresdefault

Apple Announces 'Let Loose' Event on May 7 Amid Rumors of New iPads

Tuesday April 23, 2024 7:11 am PDT by
Apple has announced it will be holding a special event on Tuesday, May 7 at 7 a.m. Pacific Time (10 a.m. Eastern Time), with a live stream to be available on Apple.com and on YouTube as usual. The event invitation has a tagline of "Let Loose" and shows an artistic render of an Apple Pencil, suggesting that iPads will be a focus of the event. Subscribe to the MacRumors YouTube channel for more ...
Apple Silicon AI Optimized Feature Siri

Apple Releases Open Source AI Models That Run On-Device

Wednesday April 24, 2024 3:39 pm PDT by
Apple today released several open source large language models (LLMs) that are designed to run on-device rather than through cloud servers. Called OpenELM (Open-source Efficient Language Models), the LLMs are available on the Hugging Face Hub, a community for sharing AI code. As outlined in a white paper [PDF], there are eight total OpenELM models, four of which were pre-trained using the...
Apple Vision Pro Dual Loop Band Orange Feature 2

Apple Cuts Vision Pro Shipments as Demand Falls 'Sharply Beyond Expectations'

Tuesday April 23, 2024 9:44 am PDT by
Apple has dropped the number of Vision Pro units that it plans to ship in 2024, going from an expected 700 to 800k units to just 400k to 450k units, according to Apple analyst Ming-Chi Kuo. Orders have been scaled back before the Vision Pro has launched in markets outside of the United States, which Kuo says is a sign that demand in the U.S. has "fallen sharply beyond expectations." As a...
iPad And Calculator App Feature

Apple Finally Plans to Release a Calculator App for iPad Later This Year

Tuesday April 23, 2024 9:08 am PDT by
Apple is finally planning a Calculator app for the iPad, over 14 years after launching the device, according to a source familiar with the matter. iPadOS 18 will include a built-in Calculator app for all iPad models that are compatible with the software update, which is expected to be unveiled during the opening keynote of Apple's annual developers conference WWDC on June 10. AppleInsider...
iOS 18 Siri Integrated Feature

iOS 18 Rumored to Add These 10 New Features to Your iPhone

Wednesday April 24, 2024 2:05 pm PDT by
Apple is set to unveil iOS 18 during its WWDC keynote on June 10, so the software update is a little over six weeks away from being announced. Below, we recap rumored features and changes planned for the iPhone with iOS 18. iOS 18 will reportedly be the "biggest" update in the iPhone's history, with new ChatGPT-inspired generative AI features, a more customizable Home Screen, and much more....