With the release of iOS 18.1, Apple is allowing third-party apps to integrate tap-to-pay features, significantly expanding the use of NFC technology. This update provides developers with new tools to create seamless in-app payment experiences.
Apple’s iOS 18.1 Opens Tap-to-Pay to Third Parties
Beginning with iOS 18.1, Apple will allow developers to enable in-app NFC transactions by utilizing the Secure Element.
Additionally, as part of the update, you will have the ability to designate a default contactless payment app that will be accessible when you double-click the side button on your iPhone, The Verge shares.
In the past, Apple Pay was only able to be displayed when the button in question was double-clicked.
NFC Now Available for More Than Just Tag Scanning
As a result of this modification, developers will have the ability to provide in-app contactless transactions for a wide range of applications. These transactions will include "in-store payments, car keys, closed-loop transit, corporate badges, student IDs, home keys, hotel keys, merchant loyalty and rewards cards, and event tickets." NFC access for third-party applications has, up to this point, been restricted to the scanning of tags.
In the press release issued by Apple, it is stated that support for government IDs will be available "in the future."
A future developer beta for iOS 18.1 will make the essential application programming interfaces (APIs) available to developers in the United States of America, Australia, Brazil, Canada, Japan, New Zealand, and the United Kingdom.
Developers Face Requirements to Access Apple’s NFC Tech
Apple also adds that "additional locations to follow" will be included in the test. However, in order to make use of Apple's application programming interfaces (APIs), developers will be required to "enter into a commercial agreement with Apple, request the NFC and SE entitlement, and pay the associated fees."
This change comes after Apple made an offer to open iPhone NFC payments to third-party suppliers in response to an antitrust inquiry conducted by the European European Commission.
The European Commission made the announcement that it had made Apple's commitments legally obligatory over the course of the previous month.


Coca-Cola’s Costa Coffee Sale Faces Uncertainty as Talks With TDR Capital Hit Snag
SpaceX Insider Share Sale Values Company Near $800 Billion Amid IPO Speculation
Trump’s Approval of AI Chip Sales to China Triggers Bipartisan National Security Concerns
SoftBank Shares Slide as Oracle’s AI Spending Plans Fuel Market Jitters
Evercore Reaffirms Alphabet’s Search Dominance as AI Competition Intensifies
Mizuho Raises Broadcom Price Target to $450 on Surging AI Chip Demand
Intel’s Testing of China-Linked Chipmaking Tools Raises U.S. National Security Concerns
SoftBank Eyes Switch Inc as It Pushes Deeper Into AI Data Center Expansion
China Adds Domestic AI Chips to Government Procurement List as U.S. Considers Easing Nvidia Export Curbs
Trump Signs Executive Order to Establish National AI Regulation Standard
Apple App Store Injunction Largely Upheld as Appeals Court Rules on Epic Games Case
Australia’s Under-16 Social Media Ban Sparks Global Debate and Early Challenges
Air Transat Reaches Tentative Agreement With Pilots, Avoids Strike and Restores Normal Operations
Air Force One Delivery Delayed to 2028 as Boeing Faces Rising Costs
GameStop Misses Q3 Revenue Estimates as Digital Shift Pressures Growth
SK Hynix Shares Surge on Hopes for Upcoming ADR Issuance 



