But why put a NFC chip inside this current iPad generation if it cannot be utilized?
Because it contains the Secure Element, which is a processor running the Java payment applets that are used by MC / Visa / AMEX / etc.
It likely needs to be able to run those applets, in order to utilize in-app Apple Pay. Or perhaps it just has an Apple Pay applet.
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Like everyone else, I believed the no antenna tear downs.
However, I just found something very peculiar while searching the FCC database. Other new tablet reports I checked leave out any mention of NFC, but
the FCC SAR entry for the iPad Air 2 (FCC ID BCGA1567) claims it has NFC:
What the heck? This is the same comment that's in the iPhone 6 SAR reports.
So either some of the tablets actually do have NFC capabilities, OR it was planned at one time and the comment wasn't updated, OR it was never planned and the comment was never correct.
Need more time to go through all the tablet reports.