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Apple Opening Up iPhone's NFC Chip to Third-Party Developers in iOS 18.1
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It is possible to add many, if not all, today. Apple opened NFC up to all but payment in iOS 13 (Pass.NFC). There are also apps that can add NFC cards to Wallet (NFC Tools). I haven’t played much with this, but the capability is already there for much of this.
Only because the EU has been wielding a blow torch
Banks will choose the option where their cards gets used most easily and most frequently by customers. Credit card companies earn transaction fees.
Why do you think so many banks want you to add Apple Pay?
Opening up NFC means fintech apps can now do C2C transactions. PayPal transactions can be done by tapping two phones together, for example.
They'll probably join Home Depot in some sort of group app thing.
So a year from now am I going to need a folder with a dozen different payment apps from a dozen different companies?
They don’t it’s it me, i7guy who lives at 1600 Pennsylvania Ave as far as I know.
They know your email address.
Apple Pay does not let businesses uniquely identify you. They may identify things about you though.
I think it's important to remember that Apple Pay and Apple Wallet are two separate products. There's nothing that would stop Apple from allowing apps to add items to Apple Wallet even if it uses a third party payment network on the back end.
My local public transport authority have wanted to implement a transit card on Apple Wallet via NFC from the beginning, as well tap and go with fare capping.
Apple never responded to their requests, they are too busy trying to tie up major cities in the USA and Asia. Now my local transport authority can just go ahead and develop it themselves. It will be massive for people who want to use digital options.
The thing is though, I believe a developer used to have to request for Apple to make the pass that can use NFC. Apple basically got to Starbucks, developed it for them, and then fobbed everyone off.
Now I believe the developer can create it themselves, and Apple just has to sign it off when they sign the app off for use.
On one hand I'm happy that this opens up more possibilities for contactless access. However I am very concerned that this will fragment Apple Wallet. I like the idea of having home keys, car keys, hotel keys, credit cards, rewards cards, and drivers licenses all in one app that I know is secure and private. I don't want to open a separate app to pay with my Visa, and another to pay with Mastercard, and another app for unlocking my home, and another for unlocking my car.
On the other hand if this encourages companies who were never going to support Apple Wallet to actually do something with contactless access I guess its better than nothing.
On the other hand if this encourages companies who were never going to support Apple Wallet to actually do something with contactless access I guess its better than nothing.
Nope, if anything Walmart will only allow NFC payments though their app and Walmart Pay.
This is very good news for places where Apple Pay is not available, such as Türkiye. Not being able to make a simple contactless payment with my iPhone is sometimes thought of as inadequacy of the device. This was my only annoyance when I switched from Android to iOS. It's not a 60hz screen. haha. (year 2023)
Exactly... one wallet, not different apps. Or is that the reason for the extra button on the newer iPhone? 🙃
Walmart is so greedy. They would probably double there sales with Apple Pay too 💰
Hasn’t worked with Walmart thus far. Can’t imagine a big bank would budge when it comes to money vs customer satisfaction lol
I will say, long over due for a lot of use cases.
Good thing I only generally use two cards for Apple Pay and one of them is my Apple Card. The other is my bank, and I don’t see them spending the money on their own wallet. They just did an app refresh after like 5 years (IMO the new one is worse form over the old one)
Good thing I only generally use two cards for Apple Pay and one of them is my Apple Card. The other is my bank, and I don’t see them spending the money on their own wallet. They just did an app refresh after like 5 years (IMO the new one is worse form over the old one)
What s new?
iOS had been supporting home key, hotel key and government id etc.
And how good is having 3rd party app to access the sensitive data?
I am foreseeing that merchants would insist on using their own apps for ID, keys and event tickets in lieu of Apple wallet. So, we will have different apps for different events, keys and ids cos they are from different vendors.
It is not good at all.
I rather see merchants and banks using Apple wallet as a hub to access or store sensitive info than launching their own apps, hence insisting users to use merchant apps for different things, keys, ids, event tickets.
At the end, we will have to install too many apps.
Could be that Apple's wallet implementation is not satisfactory for whatever business. Plenty of places have NFC readers that don't work with Apple Wallet for whatever reason - my college had this issue!
The 3rd party that issues you the card already has your data.
Apps have already been doing that, this changes nothing on that front.
I have zero doubt that any consumer benefits to this will quickly be drowned by the wave of stores and banks making NFC payments exclusive to their data-mining, bug-ridden, poorly-designed apps. How many banks have you found with a non-webview app—I recently caught Citi quietly bundling a "shopping assistant" Safari plugin with their account management app, which felt like a throwback to the browser toolbar malware of the Windows XP era—and 2FA that isn't SMS only? How many stores intentionally disabled Apple Pay on their terminals to keep hoovering shopping data? Apple's restrictions may have been for their own selfish reasons, but they did keep some of the miscreants in line; now it'll be open season on user experience. Thanks for nothing, EU.