Apple will soon let developers offer in-app NFC transactions using the Secure Element, starting with iOS 18.1. This update will also allow users to set a default contactless payment app that can be accessed by double-clicking the iPhone’s side button. Previously, only Apple Pay could be accessed this way.
New Opportunities for Developers
This change opens up many possibilities for developers. They can now offer in-app contactless transactions for various purposes, including:
– In-store payments
– Car keys
– Closed-loop transit
– Corporate badges
– Student IDs
– Home keys
– Hotel keys
– Merchant loyalty and rewards cards
– Event tickets
Until now, third-party apps could only read NFC tags. This update marks a significant expansion in NFC functionality for iOS apps.
Future Support for Government IDs
Apple’s press release mentions that support for government IDs will be added “in the future,” indicating ongoing development and potential future enhancements to this feature.
Availability and Requirements
The APIs needed to build these NFC-enabled apps will be available to developers in several countries, including Australia, Brazil, Canada, Japan, New Zealand, the UK, and the US. Apple plans to release these APIs in an upcoming iOS 18.1 developer beta, with more locations to follow.
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However, developers wanting to use these APIs must:
1. Enter into a commercial agreement with Apple.
2. Request the NFC and Secure Element entitlement.
3. Pay the associated fees.
Background and Context of Apple Tap to Pay
This shift follows Apple’s commitment to open iPhone NFC payments to third-party providers, a move influenced by a European Commission antitrust investigation. The European Commission announced last month that Apple’s commitments had become legally binding.
Impact of Apple Tap to Pay on Users and Developers
For users, this update means greater flexibility and choice in how they use their iPhones for contactless payments and other NFC-based functions. They will no longer be limited to Apple Pay and can choose their preferred apps for various NFC transactions.
For developers, this change provides new opportunities to create and offer innovative NFC-based solutions within their apps. It opens up a wider market and allows for more diverse and customized user experiences.
Conclusion
The iOS 18.1 update marks a significant milestone in Apple’s approach to NFC technology. By allowing third-party developers to offer in-app NFC transactions and letting users set a default contactless payment app, Apple is providing more flexibility and options for both developers and users. This change is surely going to drive innovation and enhance the functionality of iOS devices, making them even more versatile and user-friendly.
