EU Officially Objects to Apple Limiting Third-Party Access to Apple Pay NFC Capabilities

In line with a report late last week, the European Commission today officially announced that it has issued a Statement of Objections to Apple over its restrictions that prevent third-party services from accessing the NFC capabilities of the iPhone, thereby restricting competition in mobile wallets on iOS.

Apple Pay Feature
The statement is a preliminary view that will need to be confirmed with further investigation before any consequences can be administered, but lays out the direction the investigation is headed.

The European Commission has informed Apple of its preliminary view that it abused its dominant position in markets for mobile wallets on iOS devices. By limiting access to a standard technology used for contactless payments with mobile devices in stores (‘Near-Field Communication (NFC)' or ‘tap and go'), Apple restricts competition in the mobile wallets market on iOS.

European Commission Executive Vice-President Margrethe Vestager argues that access to NFC is a requirement for viable mobile wallet services at brick-and-mortar locations.

Our concerns relate to Apple's decision to block access to the NFC technology for payment purposes and use it solely for its own mobile wallet, Apple Pay. As a result, users of Apple devices can only pay with the ‘tap and go' function using Apple Pay and not with other wallets. This is because competing wallet developpers need access to the NFC on Apple devices to reach Apple users.

Developing a mobile payment application is costly. Investment may only be worth it if developers can reach both Apple and Android customers. Evidence on our file indicates that some developers did not go ahead with their plans as they were not able to to reach iPhone users. This behaviour stifled innovation and prevented competition in the mobile wallet market. As a result, European consumers have little choice of mobile payment solutions when paying in shops.

Vestager mentions that Apple has cited security as its rationale for not allowing third-party access to NFC, but that regulators' investigation have not found any evidence of that risk.

Popular Stories

iPhone 17 Pro 34ths Perspective

iPhone 17 Pro Launching Later This Year With These 10 New Features

Sunday March 23, 2025 10:00 am PDT by
While the iPhone 17 Pro and iPhone 17 Pro Max are not expected to launch until September, there are already plenty of rumors about the devices. Below, we recap key changes rumored for the iPhone 17 Pro models as of March 2025: Aluminum frame: iPhone 17 Pro models are rumored to have an aluminum frame, whereas the iPhone 15 Pro and iPhone 16 Pro models have a titanium frame, and the iPhone ...
macbook pro blue green

When Will Apple Release the M5 MacBook Pro?

Wednesday March 26, 2025 4:53 pm PDT by
Apple regularly refreshes the MacBook Pro models, and a new version that uses M5 series chips is in the works. Apple just finished refreshing most of the Mac lineup with M4 chips, and now it's time for the M5. Rumors suggest that we could see the first M5 MacBook Pro models this fall. Design There have been no rumors of a design update for the M5 MacBook Pro models that are coming this...
Apple Lumon Terminal Pro

Apple's Mac Site Features Fictional 'Lumon Terminal Pro'

Wednesday March 26, 2025 12:19 pm PDT by
Apple is going all out with promotions for the popular Severance Apple TV+ show today, and as of right now, you'll find a new "Lumon Terminal Pro" listed on Apple's Mac site. The Lumon Terminal Pro is designed to look similar to the machines that Severance employees like Mark S. and Helly R. use for macrodata refinement. The Terminal features a blue keyboard, a small display with wide...
Facebook Feature

Facebook's New iPhone App Feature Turns the Clock Back to 2007

Thursday March 27, 2025 1:59 pm PDT by
In the mid-to-late 2000s, Facebook was all about staying connected with friends and family. However, as the social media platform added new features and grew over time, that core experience began to get drowned out. That changes starting now, according to Meta, which today introduced a new feature that will "bring back the joy" of classic Facebook. Specifically, Meta has redesigned the...
Generic iOS 18

iOS 18.4 Coming Soon With These New Features for Your iPhone

Tuesday March 25, 2025 6:45 am PDT by
Apple is expected to release iOS 18.4 to the general public as soon as next week, following more than a month of beta testing. Apple's website says some iOS 18.4 features will be released in "early April," so the update should be out as early as Tuesday, April 1. Apple this week seeded the iOS 18.4 Release Candidate, which is typically the final beta version, barring the discovery of any...
iPhone 17 Pro 34ths Perspective

iPhone 17 Pro Supports 8K Video Recording, Suggests Leaker [Updated]

Wednesday March 26, 2025 4:06 am PDT by
Update 7:25 pm: Based on comments from our forums, it appears the original Weibo post may have been mistranslated and "8K" actually refers to the high price of the device rather than 8K video recording capabilities. The iPhone 16 Pro currently starts at 7,999 yuan in China. Our original article follows below. Apple's forthcoming iPhone 17 Pro models are capable of shooting 8K video, up...
Foldable iPhone 2023 Feature 1

'iPhone Fold' to Feature Metallic Glass Hinge That Resists Deformation

Thursday March 27, 2025 4:21 am PDT by
Last week, we covered a report claiming that Apple's book-style foldable iPhone (or "iPhone Fold," as we are provisionally calling it here) will use liquid metal hinges to improve durability and help minimize screen creasing. Today, a Chinese leaker provided more details on the properties of this hinge material that help to clarify why Apple chose it for its first foldable device. According...
iOS 18 4 Ambient Music Control Center

How to Use iOS 18.4's New Ambient Music Feature in Control Center

Thursday March 27, 2025 7:45 am PDT by
The upcoming iOS 18.4 update for the iPhone adds an Ambient Music feature to Control Center. Below, we take a closer look at how it works. iOS 18.4 is currently in beta, so the Ambient Music feature is not widely available yet. The update will likely be released to the general public next week. To use the feature on iOS 18.4, open Control Center and tap on the plus sign in the top-left...
Generic iOS 19 Feature Mock

Gurman: Jon Prosser's iOS 19 Mockups 'Aren't Representative' of Redesign

Tuesday March 25, 2025 4:47 pm PDT by
The iOS 19 mockup images that leaker Jon Prosser shared today are not representative of the actual iOS 19 design, Bloomberg's Mark Gurman said on social media. According to Gurman, the images that are "floating around" are based on "very old builds" or "vague descriptions," and are lacking key features. Gurman says that we can "expect more from Apple in June." Gurman made the same comment ...

Top Rated Comments

5232152 Avatar
38 months ago
As the world is shifting towards mobile payment across the world it is only fair that the people has access to the technology on fair terms and not on the cooperates terms. Power to the people.
Score: 32 Votes (Like | Disagree)
mlody Avatar
38 months ago
How about the same geniuses come to states and force Home Depot, Lowes, Walmart, Marianos and many other big box stores to also open up NFC and allow people to pay with such tech as apple pay etc.
Score: 28 Votes (Like | Disagree)
Paul Shields Avatar
38 months ago
If I wanted 15 different apps to pay for things I'd buy an Android phone
Score: 25 Votes (Like | Disagree)
singularity0993 Avatar
38 months ago
Why do people defend Apple for this? Such restrictions severely limited iPhone’s capabilities. My friends are able to authenticate at the main gate simply by swiping their Android phones while iPhone users have to search for their card in their wallet every time. Popular payment systems in my country are also forced to use QR code instead of NFC because iPhones don’t have support (Apple Pay is available but nobody really uses it). As an iPhone user I’m frustrated by such software limitation and absolutely supports EU on this.
Score: 22 Votes (Like | Disagree)
contacos Avatar
38 months ago

Apple has cited security as its rationale for not allowing third-party access to NFC

Apple either thinks we're all idiots, or that we're three-year-olds walking around in circles bumping into furniture.
I also find it kind of ballsy from Apple to claim that they are the only ones to understand security somehow ??‍♂️

Lets face it, anything is more secure than the waiter of American restaurants storming off with your credit card to pay. Every time that happens I am like wtf. Here in Germany, they are not even allowed to touch your card, not even to place it on the handheld for you. You have to do it yourself.
Score: 22 Votes (Like | Disagree)
Rychiar Avatar
38 months ago

How about the same geniuses come to states and force Home Depot, Lowes, Walmart, Marianos and many other big box stores to also open up NFC and allow people to pay with such tech as apple pay etc.
Agreed! I’ve had to go to Home Depot and Walmart so much lately for yard work stuff and it’s annoying as hell to not be able to use Apple Pay like I do everywhere else
Score: 16 Votes (Like | Disagree)