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Apple Opening Up iPhone's NFC Chip to Third-Party Developers in iOS 18.1

Really hope my city's public transit gets some use from this. Currently they offer in-app tickets but they're QR-codes and some people suuuck with angling their devices right.
 
gregmancuso said:
Until the financial institution makes that decision for you. How long before all this banks pushing me to join their Paze network pull out of Apple Pay / Wallet and force me to use only their new Paze wallet? Or worse each forces me to only use their app.

I’m sure I am in for many “no one will pull out of Apple Pay” or something. I’m not so sure. Imagine if this was around during the CurrentC mess.

Also, I don’t see how this opens the door for the panacea of new options for passes, IDs, or anything else listed in the article. That are all possible now but the owners of said passes, IDs, and whatnot are not opening up to Wallet. Some of these may introduce the feature in their own apps, I guess. But that directly leads to the fragmentation,

This is a win for banks and businesses. This does nothing for consumers.
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I don’t think banks will see the sense in pulling out of apple pay anymore now that apple has made it clear that they’ll also charge a fee for acessing the nfc on iphones.
 
lartola said:
What do you mean by companies? Apple only charges the banks/card issuers a fee, not the merchants, the fee being 0.15% not 5%. And Walmart obviously has some reason to reject Apple Pay and contactless other than saving any money worth of fees, which as you said they’re not saving anyway; that’s a widespread myth about the fees being the reason why walmart rejects apple pay/contactless.

Furthermore, if a service costs money to maintain then why isn’t Google charging anyone for accessing the nfc on android devices? because they’re not charging for that. It’s always been open to everyone and free. Apple is just being excessively greedy.
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1 reason is that Walmart wants everything in-house like Apple’s approach and they refuse to have a competitor continuously control there operations directly or indirectly
 
black_knight said:
Agreed. The “walled garden” has always been what attracted me to Apple. I think the end of an era has begun. Indeed, everything in life is a trade-off.
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While Apple's payment ecosystem may appear fragmented, the Android landscape is experiencing a different trend. Recently, ING, a prominent Dutch bank, announced the closure of its proprietary Android payment app, instead guiding customers towards Google Pay. This consolidation on the Android platform suggests that concerns about Apple Wallet's fragmentation may be overstated.
 
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EU: You must open up NFC...
Apple: I don't want to, at it <insert dumb made up excuse about security risks>.
EU: ... or you get fined. Again.

Apple: "We introduce a new feature"


mdatwood said:
Have you dealt with banks lately? They will do anything to save a penny regardless of customer experience.
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So what's your point? Do you live in a communist country where there's only one Bank? In most European countries you have plenty of banks. If you have the feeling bank don't fulfill your needs/expectations, just change.
 
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This from the article

Starting with iOS 18.1 later this year, developers will be able to offer in-app contactless transactions, separate from Apple Pay and Apple Wallet, using new APIs
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What is the betting Apple will charge a fee every time the new API's are used? Remember, Apple are trying this with CTF payments in the EU to try and dissuade developers from moving away from Apple's app store. In my opinion Apple will implement something similar to try and dissuade people from moving away from Apple pay and Apple wallet.
 
I swear if my bank decides to make its own trash app and not allow Apple Wallet I'll be coming for you EU.
 
bbfc said:
Really hope this means my city metro (Tyne & Wear Metro) will finally have iPhone season tickets like they do for Android.
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bigchrisfgb said:
I have alluded to this in a post on here.
I have emailed Nexus myself to make them aware of this, and I have a made them aware on Twitter as well.
Feel free to email them as well to ensure many people are letting them know.
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I have now sent an email off to all North Tyneside councillors asking them to pressure both Nexus and Network One so they can implement it ASAP. I will be emailing Network One as well.
 
bbfc said:
Really hope this means my city metro (Tyne & Wear Metro) will finally have iPhone season tickets like they do for Android.
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Nexus has responded saying that they have followed the developments closely, and hope to have digital pop cards available on Apple wallet featuring NFC within the initial wave of transport providers.
 
cdsapplefan said:
Nothing is free. Apple provides a convenient service with Apple Pay and that service cost money to maintain so they have to charge companies a 5% fee to use that service. Apple is not crazy profiting off of Apple Pay service to companies. Wish Walmart would understand that. I think Visa and Mastercard charge Walmart a 2% fee to use there chip card service. Either way Walmart is paying some kind of card processing fee so in the end even if they don’t offer Apple Pay, they are still paying a fee
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One of WalMart's stated goals, at least as of a few years ago, was to get out of paying credit card transaction fees in their entirety, or at least significantly lower them. They haven't figured out how yet, but continue to work towards it.

Do they still have Walmart pay that debits from your checking account? I haven't shopped there in years so out of the loop.
 
WarmWinterHat said:
One of WalMart's stated goals, at least as of a few years ago, was to get out of paying credit card transaction fees in their entirety, or at least significantly lower them. They haven't figured out how yet, but continue to work towards it.

Do they still have Walmart pay that debits from your checking account? I haven't shopped there in years so out of the loop.
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I think it's also about having a better negotiating position. If they manage to redirect a sizeable part of the transaction volume to their app, it will be easier to get more favorable terms from Visa and MC.
 
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NagasakiGG said:
So what's your point? Do you live in a communist country where there's only one Bank? In most European countries you have plenty of banks. If you have the feeling bank don't fulfill your needs/expectations, just change.
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Generally I agree, but then you have services like Zelle created by a bunch of banks who got together. Luckily P2P apps were already too big to rollback. But, there might not be much competition if a large enough group of banks decides to create their own service that gives them the control they want.
 
WarmWinterHat said:
One of WalMart's stated goals, at least as of a few years ago, was to get out of paying credit card transaction fees in their entirety, or at least significantly lower them. They haven't figured out how yet, but continue to work towards it.

Do they still have Walmart pay that debits from your checking account? I haven't shopped there in years so out of the loop.
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Yes Walmart still has Walmart Pay but we all know that Walmart tracks your spending habits with that and is not private like Apple Pay and the Wallet App

Instead of going to Walmart, I just go to Target 🎯 or Kroger for Apple Pay
 
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Apple$ said:
A win for consumers! Thank you, EU! (From North America)
I feel it would benefit all of us in the long run. Given it can expand payment options beyond what’s allowed in Apple Pay.
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How is this a win for consumers? Every company/store with a credit card is going to start requiring us to download their crappy app to use their credit card instead of using Apple Pay to save them money on processing fees.
 
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yanksfan114 said:
As much as look forward to different use cases and increased competition over this change, I worry this will fragment Apple Wallet. I'll be so mad if, for example, Amex or LifeTime or any of my other passes don't work in the Wallet app or with Apple Pay anymore because they want me to go into their app to use them. Pros and cons to this but we'll see how it shakes out.
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Of course that's what will happen. I fail to see any benefit to this for consumers. Consumers typically benefit from streamlined services, not fractured ones.
 
TechEnthusiast1 said:
How is this a win for consumers? Every company/store with a credit card is going to start requiring us to download their crappy app to use their credit card instead of using Apple Pay to save them money on processing fees.
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If that happens, we'll deal with it. The banking industry is too competitive to stop using the Apple Wallet...if your bank/cc stops offering it, you can move to another, and they know you will.
 
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Elusi said:
Really hope my city's public transit gets some use from this. Currently they offer in-app tickets but they're QR-codes and some people suuuck with angling their devices right.
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I hate having to scan QR codes from a screen. “Can you turn your brightness up?” Poor UX.
 
This could finally open the door for the likes of Walmart, H-E-B and Home Depot to switch to NFC payments, since third party access means possibly no having to pay the "Apple tax" for NFC access.
 
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SactoGuy18 said:
This could finally open the door for the likes of Walmart, H-E-B and Home Depot to switch to NFC payments, since third party access means possibly no having to pay the "Apple tax" for NFC access.
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Don’t forget good ole BJ’s Brewhouse and Mister Carwash don’t have Apple Pay either 😆
 
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