Apple Offers iPhone NFC Chip Access to Apple Pay Rivals in EU

Apple has reportedly offered to open up the iPhone near-field communication (NFC) system that Apple Pay uses to other payment services, in a possible effort to forestall impending EU regulatory action.

apple pay feature dynamic island
In a brief report Tuesday, Reuters said that Apple has offered to let rivals access the NFC system in iPhones, but it is not yet clear what Apple's proposal involves. Banks have complained that Apple's exclusive access to the NFC contactless chip in its devices privileges ‌Apple Pay‌ over other payment systems.

In May 2022, the EU antitrust watchdog officially objected to Apple restricting rivals' access to its mobile tap-and-go technology, making it difficult for competitors to develop alternative mobile wallet services on Apple devices.

‌Apple Pay‌ competitor PayPal and other rivals reportedly played a role in the EU's decision to target Apple with antitrust complaints about its mobile wallet. The company was said to have filed informal complaints about the way Apple restricts third-party apps from accessing the NFC capabilities of the ‌iPhone‌, which led to the EC's Statement of Objections against Apple.

The European Commission will now likely seek feedback next month from rivals and customers before deciding whether to accept Apple's offer, according to people familiar with the matter who are cited in the report.

This is not the first time that Apple has faced criticism for restricting access to NFC on the ‌‌iPhone‌‌. Australian banks back in 2017 wanted access to NFC in order to launch an alternative to ‌‌Apple Pay‌‌, but they were not successful.

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.

Popular Stories

Apple WWDC24 Apple Intelligence hero 240610

Apple Explains iPhone 15 Pro Requirement for Apple Intelligence

Wednesday June 19, 2024 4:48 am PDT by
With iOS 18, iPadOS 18, and macOS Sequoia, Apple is introducing a new personalized AI experience called Apple Intelligence that uses on-device, generative large-language models to enhance the user experience across iPhone, iPad, and Mac. These new AI features require Apple's latest iPhone 15 Pro and iPhone 15 Pro Max models to work, while only Macs and iPads with M1 or later chips will...
Apple Intelligence General Feature

Apple Intelligence Features Not Coming to European Union at Launch Due to DMA

Friday June 21, 2024 9:44 am PDT by
Apple today said that European customers will not get access to the Apple Intelligence, iPhone Mirroring, and SharePlay Screen Sharing features that are coming to the iPhone, iPad, and Mac this September due to regulatory issues related to the Digital Markets Act. In a statement to Financial Times, Apple said that there will be a delay as it works to figure out how to make the new...
iPhone 16 Pro Max Generic Feature 2

5 Biggest Changes Rumored for iPhone 16 Pro Max

Wednesday June 19, 2024 5:00 am PDT by
Given Apple's rumored plan to add an all-new high-end tier to its iPhone 17 series in 2025, this could be the year for Apple to bring its boldest "Pro Max" model to the table — the kind of iPhone 16 upgrade that stands tall above its siblings, both figuratively and literally. If you have been holding out for the iPhone 16 Pro Max, here are five of the biggest changes rumored to be coming...
Apple Vision Pro 2 Feature 2

Apple Reportedly Suspends Work on Vision Pro 2

Tuesday June 18, 2024 8:17 am PDT by
Apple has suspended work on the second-generation Vision Pro headset to singularly focus on a cheaper model, The Information reports. Apple was widely believed to have plans to divide its Vision product line into two models, with one "Pro" model and one lower-cost standard model. The company is said to have been deprioritizing the next Vision Pro headset over the past year, gradually...
back to school 2024

Apple's 2024 Back to School Sale Launches, Up to $150 Gift Card With Mac or iPad

Thursday June 20, 2024 4:29 am PDT by
Apple has launched its annual Back to School promotion for college students in the United States. This year's promotion offers a free Apple gift card with the purchase of an eligible Mac or iPad. Apple is also offering students 20% off AppleCare+ plans. Apple is offering a $150 gift card with any new MacBook Air, MacBook Pro, or iMac, and a $100 gift card with the purchase of any new M4 iPad ...
iOS 17

Apple Releases First Public Beta of iOS 17.6

Thursday June 20, 2024 10:18 am PDT by
Apple today seeded the first betas of upcoming iOS 17.6 and iPadOS 17.6 updates to public beta testers, with the betas coming a few days after the initial iOS and iPadOS 17.6 developer betas. Public beta testers can get the beta by opening up the Settings app, going to the Software Update section, tapping on the "Beta Updates" option, and toggling on the iOS 17 or iPadOS 17 Public Beta....

Top Rated Comments

jlwarlow Avatar
7 months ago
This is bad: I can imaging banks removing support for Apple Pay and demand customers use their app to pay via NFC. So instead of a nice user journey (double click, swipe, pay) we may well be down the (double click), select bank app, wait ages for bank app to load, log in to bank app, dismiss useless message on bank app, pay. Much like the Tesco Pay+ I never use and I always have to login when trying to use it.
Score: 23 Votes (Like | Disagree)
ApostolisApo Avatar
7 months ago
Oh noes, now that NFC will open up who knows what kind of viruses will creep into our phones!!
Score: 10 Votes (Like | Disagree)
Stiksi Avatar
7 months ago

This is bad: I can imaging banks removing support for Apple Pay and demand customers use their app to pay via NFC. So instead of a nice user journey (double click, swipe, pay) we may well be down the (double click), select bank app, wait ages for bank app to load, log in to bank app, dismiss useless message on bank app, pay. Much like the Tesco Pay+ I never use and I always have to login when trying to use it.
It doesn’t take that much to change banks. But it may put pressure on Apple to lower fees, which is mainly an Apple problem.
Score: 9 Votes (Like | Disagree)
wanha Avatar
7 months ago

This is bad: I can imaging banks removing support for Apple Pay and demand customers use their app to pay via NFC. So instead of a nice user journey (double click, swipe, pay) we may well be down the (double click), select bank app, wait ages for bank app to load, log in to bank app, dismiss useless message on bank app, pay. Much like the Tesco Pay+ I never use and I always have to login when trying to use it.
Apple users tend to be among the most sought after customers and I firmly belief customers would revolt if Apple Pay stopped working suddenly - I would.

This cat's out of the bag and the banks can't stuff it back in.
Score: 8 Votes (Like | Disagree)
bviktor Avatar
7 months ago
Yay, can't wait for my bank to revoke Apple Pay support! /s
Score: 7 Votes (Like | Disagree)
jdavid_rp Avatar
7 months ago
For the sake of equality, I just hope banks have to offer Apple Pay too if they choose to use their own system, like the Apple Sign in system (if a dev offers Google sign in, has to offer Apple sign in too).

Oh great the last thing we need is letting the banks create their own payment system! Then they all will drop  Pay their own infer system
On Android most of the banks are on Google pay and Samsung Pay so I don’t think that would happen in iOS neither
Score: 7 Votes (Like | Disagree)