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.


Morgan Stanley Downgrades Adobe, Workday as AI Transition Raises Growth Concerns
Judge Approves Anthropic’s $1.5 Billion AI Copyright Settlement With Authors
Wistron Opens $700M Texas AI Factory to Build Nvidia GB300 Superchips
Intel, AMD Seek Long-Term China Server CPU Deals as AI Demand Drives Supply Crunch
Rubio Rejects AI ‘Kill Switch’ Claims as U.S. Defends American Technology Abroad
Samsung Cuts U.S. Consumer Electronics Jobs as Headquarters Moves to Texas
GM Q2 Earnings Beat Estimates as General Motors Raises 2026 Profit Outlook
Elon Musk Fuels SpaceX-Tesla Merger Speculation After Earnings Call
Scandinavian Tobacco Group Sells BREAK and Moro Brands to Japan Tobacco for €176 Million
Nike Shifts China Online Sales Strategy to Boost Brand and Fight Local Rivals
Mikron H1 2026 Sales Fall 5.9% as Automation Weakness Weighs on Profit
Domino’s Weighs Appeal After Australian Court Rules Workers Were Misled on Pay
Belimo H1 Sales Surge as AI Data Center Cooling Drives More Than Half of Growth
Australia ASIC Tightens Auditor Oversight After KPMG Leak Scandal
KAIST, Stanford Develop Self-Dressing Robot for Cleanrooms and Emergency Gear
Bank of America Says These Overlooked AI Stocks Could Be the Next Winners 



