Apple isn’t just opening up Near-Field Communication (NFC) access in the European Union; it’s offering third-party access to functions like tap-to-pay in the US and other regions. The company posted a notice on Wednesday announcing that third-party developers can start implementing their own contactless transaction systems through an API in the upcoming iOS 18.1.
The move follows Apple’s “legally binding” agreement with the European Commission last month to comply with EU regulations — specifically, the Digital Markets Act (DMA). That followed a four-year investigation by the governing body that found Apple liable for restricting rival mobile wallet developers from accessing the iPhone’s underlying payment tech.
Once iOS 18.1 arrives, developers can offer contactless payments (and other transactions) using the iPhone’s Secure Element, which Apple Pay also uses. The Secure Element is a dedicated chip designed for storing sensitive information accessed via the Sec
