Developers can soon offer in‑app NFC transactions using the Secure Element

Starting with iOS 18.1, Apple will enable developers to implement in-app NFC contactless transactions using the Secure Element, independent of Apple Pay and Apple Wallet. This new feature allows for various applications, including in-store payments, car keys, transit systems, corporate badges, student IDs, home and hotel keys, loyalty cards, and event tickets, with plans to support government IDs in the future. The NFC and Secure Element APIs are designed to prioritize user security and privacy, utilizing a certified chip to securely store sensitive information. Apple employs its proprietary technologies, such as the Secure Enclave and biometric authentication, to enhance transaction security. Users can initiate transactions by opening the app or setting it as their default contactless app in iOS settings. Developers interested in this feature must enter a commercial agreement with Apple, request the necessary entitlements, and pay associated fees, ensuring compliance with industry standards. The APIs will initially be available in select countries, including Australia, Brazil, Canada, Japan, New Zealand, the U.K., and the U.S., with more locations to follow. This development aims to maintain the secure and private experience that users expect from Apple Pay and Wallet.

- iOS 18.1 will allow in-app NFC transactions using the Secure Element.

- Developers can implement various contactless payment solutions within their apps.

- User security and privacy are prioritized through advanced Apple technologies.

- Developers must enter a commercial agreement and meet regulatory requirements.

- The feature will be available in select countries initially, with plans for expansion.