Curve Pay Launches iPhone NFC Payments as Apple Pay Alternative

British fintech company Curve has launched contactless payments for iPhone users in the European Union, becoming the second third-party payment service after PayPal to take advantage of Apple's newly opened NFC interface (via iphone-ticker.de).

curve pay
The Curve Pay app allows users to make tap-to-pay purchases without using Apple Pay or the Wallet app, following PayPal's debut of similar functionality in Germany earlier this month. The feature was made possible by Europe's Digital Markets Act, which forced Apple to open its NFC chip to third-party developers.

Unlike traditional wallet apps, Curve Pay operates as an independent payment authority rather than simply passing through stored card data. Users can reassign purchases to different cards after completing transactions and link various payment sources including PayPal accounts.

The app also provides real-time spending analytics and automated cashback programs. Its "staged wallet" architecture also gives users more control over the payment process compared to conventional digital wallets.

Curve claims more than six million users across its platform, which was previously available only on Android devices. The company joins PayPal in offering European iPhone users alternatives to Apple Pay, with German cooperative banks also planning to introduce their own NFC payment solution through their banking app this September.

NFC access is available for banking and wallet apps in the European Economic Area, which includes the 27 European Union countries plus Iceland, Liechtenstein, and Norway.

Tag: NFC

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Top Rated Comments

Lyrics23 Avatar
4 weeks ago

When has customers hating something ever stopped banks? The option now: Apple Pay or don't get used by mobile wallet. Now "oh customer, you don't need to be on Apple Pay, just install the BigBank app and then all your cards are there."

Meanwhile the people who claim that it is needed to force Apple to offer this because it is "impossible" to switch from iOS to Android are going to say "if you don't like it, just switch banks" as if that isn't 100x more difficult than buying a new phone.
In the EU, switching banks is much easier than switching phones from iOS to Android.

Proper regulation (e.g. the EU’s Payment Accounts Directive) ensures that switching banks is a simple, quick, automated process.

The EU is excellent at standing up for consumer rights in this way; it’s similarly easy switching mobile internet providers, energy companies, etc.
Score: 13 Votes (Like | Disagree)
Rogifan Avatar
4 weeks ago
I don’t get why competition for Apple is bad. Maybe the wallet app and Apple Pay is the best for contactless payments. But why not let others in the space and compete? The best way for Apple products to get better is competition.
Score: 13 Votes (Like | Disagree)
bob24 Avatar
4 weeks ago
Question is: what benefit does it bring to their users if any? (Given that they already support Apple Pay)

What it obvious is that it does bring drawbacks to the user as payment cards can potentially be fragmented between Apple wallet and other wallet Apps, so to convince me to use this they’d need to clearly explain what I have to gain in exchange for moving to a more fragmented UX (which I don’t think any alternative wallet App provider has done at this stage).
Score: 10 Votes (Like | Disagree)
Rogifan Avatar
4 weeks ago

Competition for Apple is good. Competition for Apple by regulation by forcing Apple to allow free access to its ip is bad.
Since when is NFC Apple’s IP?
Score: 10 Votes (Like | Disagree)
turbineseaplane Avatar
4 weeks ago

Proper regulation (e.g. the EU’s Payment Accounts Directive) ensures that switching banks is a simple, quick, automated process.

The EU is excellent at standing up for consumer rights in this way; it’s similarly easy switching mobile internet providers, energy companies, etc.
You have to excuse us Americans.

We have no clue what it's like to live under "proper regulation" or to have our governing bodes "standing up for consumer rights".

America is AWASH in corporate propaganda and all that results from it.
Score: 8 Votes (Like | Disagree)
sw1tcher Avatar
4 weeks ago

Question is: what benefit does it bring to their users if any? (Given that they already support Apple Pay)
Benefit: They don't have to deal with Apple Pay outages

https://www.macrumors.com/2025/05/16/apple-pay-apple-card-wallet-outage/

https://www.macrumors.com/2023/12/20/apple-card-and-apple-pay-outage/

https://www.macrumors.com/2023/12/07/apple-pay-outage-affecting-some-users/
Score: 8 Votes (Like | Disagree)