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.

Popular Stories

iOS 26

iOS 26.2 Coming Soon With These 8 New Features on Your iPhone

Thursday December 11, 2025 8:49 am PST by
Apple seeded the second iOS 26.2 Release Candidate to developers earlier this week, meaning the update will be released to the general public very soon. Apple confirmed iOS 26.2 would be released in December, but it did not provide a specific date. We expect the update to be released by early next week. iOS 26.2 includes a handful of new features and changes on the iPhone, such as a new...
AirPods Pro Firmware Feature

Apple Releases New Firmware for AirPods Pro 2 and AirPods Pro 3

Thursday December 11, 2025 11:28 am PST by
Apple today released new firmware designed for the AirPods Pro 3 and the prior-generation AirPods Pro 2. The AirPods Pro 3 firmware is 8B30, up from 8B25, while the AirPods Pro 2 firmware is 8B28, up from 8B21. There's no word on what's include in the updated firmware, but the AirPods Pro 2 and AirPods Pro 3 are getting expanded support for Live Translation in the European Union in iOS...
Google maps feaure

Google Maps Quietly Added This Long-Overdue Feature for Drivers

Wednesday December 10, 2025 2:52 am PST by
Google Maps on iOS quietly gained a new feature recently that automatically recognizes where you've parked your vehicle and saves the location for you. Announced on LinkedIn by Rio Akasaka, Google Maps' senior product manager, the new feature auto-detects your parked location even if you don't use the parking pin function, saves it for up to 48 hours, and then automatically removes it once...
iOS 26

iOS 26.4 and iOS 27 Features Revealed in New Leak

Friday December 12, 2025 10:56 am PST by
Macworld's Filipe Espósito today revealed a handful of features that Apple is allegedly planning for iOS 26.4, iOS 27, and even iOS 28. The report said the features are referenced within the code for a leaked internal build of iOS 26 that is not meant to be seen by the public. However, it appears that Espósito and/or his sources managed to gain access to it, providing us with a sneak peek...
iOS 26

Apple Releases iOS 26.2 With Alarms for Reminders, Lock Screen Changes, Enhanced Safety Alerts and More

Friday December 12, 2025 10:10 am PST by
Apple today released iOS 26.2, the second major update to the iOS 26 operating system that came out in September, iOS 26.2 comes a little over a month after iOS 26.1 launched. ‌iOS 26‌.2 is compatible with the ‌iPhone‌ 11 series and later, as well as the second-generation ‌iPhone‌ SE. The new software can be downloaded on eligible iPhones over-the-air by going to Settings >...
Foldable iPhone 2023 Feature 1

Apple to Make More Foldable iPhones Than Expected [Updated]

Tuesday December 9, 2025 9:59 am PST by
Apple has ordered 22 million OLED panels from Samsung Display for the first foldable iPhone, signaling a significantly larger production target than the display industry had previously anticipated, ET News reports. In the now-seemingly deleted report, ET News claimed that Samsung plans to mass-produce 11 million inward-folding OLED displays for Apple next year, as well as 11 million...
AirTag 2 Mock Feature

Apple AirTag 2: Four New Features Found in iOS 26 Code

Thursday December 11, 2025 10:31 am PST by
The AirTag 2 will include a handful of new features that will improve tracking capabilities, according to a new report from Macworld. The site says that it was able to access an internal build of iOS 26, which includes references to multiple unreleased products. Here's what's supposedly coming: An improved pairing process, though no details were provided. AirTag pairing is already...
iOS 26

15 New Things Your iPhone Can Do in iOS 26.2

Friday December 5, 2025 9:40 am PST by
Apple is about to release iOS 26.2, the second major point update for iPhones since iOS 26 was rolled out in September, and there are at least 15 notable changes and improvements worth checking out. We've rounded them up below. Apple is expected to roll out iOS 26.2 to compatible devices sometime between December 8 and December 16. When the update drops, you can check Apple's servers for the ...
macOS Tahoe 26 Thumb

Apple Releases macOS Tahoe 26.2 With Edge Light

Friday December 12, 2025 10:08 am PST by
Apple today released macOS Tahoe 26.2, the second major update to the macOS Tahoe operating system that came out in September. macOS Tahoe 26.2 comes five weeks after Apple released macOS Tahoe 26.1. Mac users can download the macOS Tahoe update by using the Software Update section of System Settings. macOS Tahoe 26.2 includes Edge Light, a feature that illuminates your face with soft...

Top Rated Comments

5232152 Avatar
47 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
47 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
47 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
47 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
47 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
47 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)