August 15th, 2024

Apple is finally going to open up iPhone tap-to-pay

Apple's iOS 18.1 update will enable third-party developers to use iPhone NFC for in-app transactions, allowing various applications. Users can set a default payment app, following a European Commission investigation.

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Apple is finally going to open up iPhone tap-to-pay

Apple is set to expand the functionality of its iPhone's NFC chip with the upcoming iOS 18.1 update, allowing developers to implement in-app NFC transactions using the Secure Element. This change will enable a variety of applications, including in-store payments, car keys, transit systems, corporate badges, student IDs, home and hotel keys, loyalty cards, and event tickets. Users will also be able to select a default contactless payment app that can be accessed by double-clicking the iPhone's side button, a feature previously exclusive to Apple Pay. The new APIs for developers will be available in select countries, including Australia, Brazil, Canada, Japan, New Zealand, the UK, and the US, with plans for further expansion. However, developers must enter a commercial agreement with Apple and pay associated fees to utilize these APIs. This move follows a European Commission antitrust investigation that prompted Apple to open its NFC payment capabilities to third-party providers, making the commitments legally binding.

- Apple will allow third-party developers to use iPhone NFC for in-app transactions starting with iOS 18.1.

- Users can set a default contactless payment app accessible via the side button.

- The update supports various applications, including payments, keys, and loyalty cards.

- Developers must enter a commercial agreement with Apple to access the new APIs.

- This change follows a European Commission investigation into Apple's NFC payment practices.

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By @gnabgib - 6 months
Discussions

(40 points, 1 month ago, 16 comments) https://news.ycombinator.com/item?id=40950071

(27 points, 8 hours ago, 13 comments) https://news.ycombinator.com/item?id=41249340