Got a tip for us?
Let us know
Become a MacRumors Supporter for $50/year with no ads, ability to filter front page stories, and private forums.
Apple is Opening Up the iPhone's NFC Chip: What You Need to Know
- Thread starter MacRumors
- Start date
- Sort by reaction score
Kroger already has the ability to store payment methods in their current store app for use with online/curbside pickup orders, so they will probably just add the NFC method to that existing app. So since you use a third-party credit card in that app now it's not likely to change for the NFC payments.
Many Android users complain if a phone does not have NFC, because they use it for all kinds of things like an entrance to the metro. However for Apple users it seems to be normal to have NFC for only a single app.
I love technology. As of the last data breach notification that I received, which was a few days ago, some dudes have my name, address, social security number, date of birth, health insurance info, and medical records including diagnosis codes and insurance claim info.
Might as well put everything on the phone now including my biometrics.
Might as well put everything on the phone now including my biometrics.
That’s great if you chain store branded cards. I’m not saying people don’t have and use them. But they are greatly outnumbered by bank issued visa, mastercard, and Amex. What if you have 6 visa, 3 Mastercard, and an Amex? Now all 9 cards are in my Wallet. Tomorrow it is very possible that some or all will drop Apple Pay support for their own app. Or that new co-op Paze. There is no way that a terminal in Store X can say “use big bank app 1 to pay here” or “open page and use card C to pay”.
Except for the having to use the Kroger app as the original comment called and this response tacitly acknowledges. That is the problem. Kroger only recently started accepting Apple Pay. Fry’s even more so and that is likely only due to their merger with Kroger. Either or both will most certainly force you to their own app.
I never understood why anyone would use Walmart Pay or whatever it’s called. Today you have to take out your phone, open the Walmart app, get the QR code, scal the code. If they do add NFC it will be that number of steps but get into pay mode and tap the terminal.
At no point is that easier than just pulling a physical card out of your wallet.
This can only be a bad thing for contactless payments.
Instead of having every card in one place and easily accessible by the double click, which also allow us to quickly choose which card to use, every bank/payment provider will end up having their own separate app that we’ll need to install.
Paying with a card that’s not default will be more cumbersome and awkward if we’re having to unlock the phone and launch different apps to make the payment.
Only thing I can see by this change on the contactless payment front is less convenience and more tracking so I don’t understand those that are looking forward to this, where’s the benefit to us?
Instead of having every card in one place and easily accessible by the double click, which also allow us to quickly choose which card to use, every bank/payment provider will end up having their own separate app that we’ll need to install.
Paying with a card that’s not default will be more cumbersome and awkward if we’re having to unlock the phone and launch different apps to make the payment.
Only thing I can see by this change on the contactless payment front is less convenience and more tracking so I don’t understand those that are looking forward to this, where’s the benefit to us?
if all our IDs go digital the government or other have much more control. they can lock IDs whenever they want
On the original iPhone you had to open a specific app to scan a barcode loyalty; they weren’t all in one place.
If you’re anything like me and have dozens of cards in your Apple wallet it’s actually quicker to spotlight the app!
Naturally this is about a lot more functions then just banking apps and contactless payment. But the fear about banks making you use their app is incredibly easily resolved. If that happens, then just like when they didn't provide debit and credit cars that are compatible with Apple Pay, switch! Exercise your ultimate consumer weapon, just switch to a bank who does provide the services you desire. It really isn't hard.
Why do you need to switch to a particular card in your wallet? If the NFC receiver is set up properly, it will select it automatically. Just double press the button, hold it against the receiver and it will pick the loyalty card.
Normally I would say don’t give them any ideas, but I know Tim is usually way ahead of us when it comes to coming up with new ideas to squeeze more $ out of customers and developers alike.Wonder if Apple will require a 30% cut of each transaction in order to use this feature
No, that's cookie consent nagging and bottle deposits. Prime examples when half a continent is ruined by stupid bureaucrats voted into power by lame idiots.
sorry if i was not clear.
the method i was implying would allow any/all NFS compliant cards to be housed within the apple wallet.
the card that is to be used would have the registered Default card being used, unless, there is a 3rd party compatible card housed within the apple wallet. this 3rd party card would be the card that would be the preferred card at that chain store. not the registered apple pay default card.
my point in my original post being that there is likely to be some key/register available in the NFC handshake that would work automatically and smoothly and without need for user to open any 3rd party app.
as it stands now: (according to 9to5 mac) users will be able to register one card as default, and this could be a non-apple pay card. but this would be cumbersome to frequent apple pay users who use a bank issued card as default in apple pay.
Last edited:
Too bad the EU was needed to force Apple to make this possible. Same for iMessage, Apple could make the experience for the customers so much richer if their apps played nice with others. For Timmy money comes first, customer experience sits on the back seat.
Thank you EU for forcing Apple using USB-C too! It’s so much better than the ancient lightning and works well with other devices.
Last edited:
Ah. That makes sense. But NFC has been open for years for all but payment cards. There are apps to read and write NFC tags. Some of them will add the custom card to the Wallet, And Apple developer docs discuss the NFC wallet cards (look up Pass.NFC).
This will allow 3rd party access to the security enclave and payment card access. And according to what I’ve read you can set the app or wallet to be opened when the power button is double clicked.
You can already see how "well" this works with Android. First of all, each bank did its own implementation and they were anything but convenient. So nobody used it. Google Pay is largely unknown in Europe. Apple Pay is more widespread. I find this step pointless, but hey, whoever shouts loud enough will probably win in the end.
I don‘t understand how you’re all so „concerned“ about this!?
Just read the article:
👉🏻 Apple is obviously going to anticompetitively structure their „associated fees“ to make any potential Apple Pay competitor financially nonviable.
What do you mean Google Pay is largely unknown? Plenty of people use the Google Wallet, or the Samsung version.
In the end it is just contactless payments, that infrastructure in Europe is just so much further than in the US, and it is everywhere. The bank cards already covered it. So it is just an added bonus to not have to open your wallet. It is just a standard.
Why don’t you wait until fees are announced so as not to fill this thread with unsubstantiated bs. Obvious? I don’t think so.
Ah yes... because in the open wastland that android is every store has their payment app... the lack of touch with reality is staggering...
BTW I've been using contactless (mobioe) payments literally everywhere for more than a decade already. Its amusing that some parts of the world are only now catching up
