Apple has announced that third-party developers can begin implementing their own contactless transaction systems via an API available 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).
When iOS 18.1 arrived, developers announced that the iPhone, which Apple Pay also uses, Secure ElementThey will be able to offer contactless payments and other transactions with . Secure Element can be defined as a special chip designed to store sensitive information accessed through the Secure Enclave, which processes encryption and biometric data.
In addition to touch-to-touch payment systems, NFC also fulfills functions such as digital car keys, transit cards, compatible home locks, hotel keys, student IDs, event tickets, and retail loyalty and rewards cards. Apple says government IDs will also be supported in the future.
Once developers publish NFC apps, they will be able to use secure hardware by opening the app directly or by setting third-party software as the default contactless app in iOS settings. Then, double-clicking the side button will trigger the process. The API will initially be available in the US and EU regions, as well as Australia, Brazil, Canada, Japan and New Zealand.
At this point, developers will need to enter into a commercial agreement with Apple, request NFC and Secure Enclave entitlements, and pay the associated fees. Apple Pay and Apple Wallet will continue to be available even if competing systems are invited to join the company’s software.
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