Apple is set to revolutionize mobile transactions with the upcoming release of iOS 18.1, which will allow developers to integrate NFC contactless transactions directly in their applications using the Secure Element (SE). This significant enhancement will enable a broader range of in-app payment functionalities, all independent of Apple Pay and Apple Wallet.
With the introduction of new NFC and SE APIs, developers will be empowered to integrate various contactless payment scenarios, including in-store purchases, car keys, public transit systems, corporate badges, student IDs, home and hotel keys, merchant loyalty programs, and event tickets. Future updates may even include support for government-issued IDs.
User security and privacy remain at the forefront of this initiative. Apple has designed the new solution to ensure secure NFC transactions within iOS apps. The Secure Element, a certified industry-standard chip, will securely store sensitive information on devices, while Apple’s proprietary technologies—such as the Secure Enclave, biometric authentication, and server-side safeguards—will further protect users during transactions.
Users will have the option to initiate contactless payments directly within an app or set it as their default contactless transaction application through iOS Settings. Transactions can be conveniently activated by a double-click of the iPhone’s side button.
Developers interested in utilizing this groundbreaking capability must enter a commercial agreement with Apple, obtain the required NFC and SE entitlement, and adhere to associated fees. This process is designed to ensure that only authorized developers meet stringent industry standards and Apple’s security guidelines.
The NFC and SE APIs will be available to developers in key markets including Australia, Brazil, Canada, Japan, New Zealand, the U.K., and the U.S. during the next developer seed for iOS 18.1, with plans for expansion into additional regions. Notably, the secure and private features offered by Apple Pay and Apple Wallet will continue to be accessible to developers and users alike.
