Apple Offers to Open NFC Payment Technology to Third-Party Developers in Europe

Apple has proposed opening its NFC payment technology to third-party developers in Europe, allowing direct rivals to Apple Pay to operate on the iPhone for the first time.

apple pay feature dynamic island
Historically, the use of Apple's NFC chip in iPhones and Apple Watches for payments has been exclusively utilized by ‌Apple Pay‌, limiting the ability of banks and other financial services to offer their own contactless payment solutions on Apple's platforms. In a statement to Reuters, Apple said:

We have offered commitments to provide third-party developers in the European Economic Area with an option that will enable their users to make NFC contactless payments from within their iOS apps, separate from Apple Pay and Apple Wallet.

The concession comes as part of Apple's efforts to address antitrust charges levied by the European Commission, which accuse the company of stifling competition by restricting third-party access to NFC capabilities on iOS devices.

Under the proposed commitments, developers of payment, banking, and digital wallet applications in the European Economic Area (EEA) will be able to integrate their own solutions with the NFC chip on Apple devices. This change means that consumers could have the option to use NFC-enabled apps from other providers, alongside or instead of ‌Apple Pay‌. The commitment reportedly includes additional functionalities such as defaulting to preferred payment apps and integrating with Apple's security features like Face ID.

While the focus of these changes is within the EEA, a region broader than the European Union, the implications of the shift could have a broader impact on the mobile payments market globally. The EEA covers the overwhelming majority of the European market, and Apple's decision could set a precedent for its operations in other areas of the world in the future as antitrust scrutiny increases.

As part of the review process, the European Commission is currently seeking feedback from rival companies and customers on Apple's proposed concessions. The final decision will consider the responses from these stakeholders. If approved, the implementation of Apple's proposed commitments will be monitored by a trustee reporting to the Commission.

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 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...
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...
2022 back to school apple feature

Apple's 2024 Back to School Sale Launching This Week

Monday June 17, 2024 12:27 pm PDT by
Apple will launch its annual Back to School promotion for university students in the United States and Canada this week, according to Bloomberg's Mark Gurman. Apple's back to school sales provide students with a free Apple gift card when purchasing a Mac or an iPad, and this year's promotion could help Apple push the new M2 iPad Air and M4 iPad Pro models. Last year, Apple offered U.S....
apple watch series 9 display

Kuo: Apple Watch Series 10 to Get Larger Screen and Thinner Design

Monday June 17, 2024 1:20 am PDT by
This year's Apple Watch Series 10 will be thinner and come in larger screen sizes than previous models, according to Apple analyst Ming-Chi Kuo. In his latest industry note -10-and-98075c44ce92">shared on Medium, Kuo said the screen size options on the next-generation Apple Watch will increase from 41mm to 45mm, and from 45mm to 49mm, while being encased in a thinner design. For reference,...
M4 Real Feature Red

M4 MacBook Pro Models Expected to Launch in Late 2024

Tuesday June 18, 2024 10:50 am PDT by
MacBook Pro models with an M4 chip are expected to launch in the fourth quarter of 2024, according to display analyst Ross Young. In a tweet for subscribers, Young said that panel shipments for new 14-inch and 16-inch MacBook Pro models are set to begin in the third quarter of 2024, which suggests a launch toward the end of the year. Apple started its M4 chip refresh in May with the launch...
Apple Pay Later feature 1

Apple Discontinuing Apple Pay Later

Monday June 17, 2024 11:44 am PDT by
Apple is discontinuing Apple Pay Later, the buy now, pay later feature that it just launched last October. Apple Pay Later is being discontinued as of today, but people who have existing Apple Pay Later loans will be able to continue to pay them off and manage them through the Wallet app. Apple announced plans to end the feature in a statement provided to 9to5Mac, which also notes that...
watchOS 11 Thumb 2 1

watchOS 11 Supports Automatic Nap Detection

Monday June 17, 2024 4:05 pm PDT by
watchOS 11 appears to include a new feature that allows an Apple Watch to automatically detect and record when you're taking a nap. As shared on Reddit, an Apple Watch owner took a nap and was able to see the sleep data recorded in the Health app, despite not putting the device in Sleep Mode. Right now, the Apple Watch only tracks and records sleep when it is in Sleep Mode, and there is no...
iPod Nano vs iPod Pro Ad Feature 1

Apple Developing Thinner MacBook Pro, Apple Watch, and iPhone

Monday June 17, 2024 2:22 am PDT by
Apple intends to slim down the MacBook Pro, Apple Watch, and iPhone, with the new ultra-thin M4 iPad Pro a sign of the company's new design trajectory, according to Bloomberg's Mark Gurman. When the M4 iPad Pro was unveiled last month, Apple touted it as the company's thinnest product ever, and even compared it to the 2012 iPod nano to emphasize its slim dimensions. Writing in the latest ...

Top Rated Comments

ApplesAreSweet&Sour Avatar
22 weeks ago

Offered? I thought they were forced to by Germany at least anyway
I think they were about to be forced and then made the changes on their own to avoid being forced.

You know, sort of like how we got rid of the archaic Lighting ports on iPhones?
Score: 14 Votes (Like | Disagree)
contacos Avatar
22 weeks ago
Offered? I thought they were forced to by Germany at least anyway
Score: 13 Votes (Like | Disagree)
jlc1978 Avatar
22 weeks ago
It makes sense as long as Apple isn't held responsible for any problems with 3rd party apps and 3rd party apps have to offer access on the same non-discriminatory basis.
Score: 12 Votes (Like | Disagree)
scheinderrob Avatar
22 weeks ago
how bout them regulations, apple?

keep em coming, EU
Score: 11 Votes (Like | Disagree)
walnuts Avatar
22 weeks ago
I just don’t get this- why is this good for the consumer? Seems like I buy a device with a payment system that is built in and nifty, and the fact that we all have it encourages credit cards to support it. Now we are gonna have a separate payment system for each card that tracks all our data. Seems cumbersome and worse for the customer.
Score: 8 Votes (Like | Disagree)
4nNtt Avatar
22 weeks ago

I just don’t get this- why is this good for the consumer? Seems like I buy a device with a payment system that is built in and nifty, and the fact that we all have it encourages credit cards to support it. Now we are gonna have a separate payment system for each card that tracks all our data. Seems cumbersome and worse for the customer.
Banks can already track your data.
Score: 8 Votes (Like | Disagree)