Starting with iOS 18.1, Apple will allow developers to enable in-app NFC transactions via the secure element and you can now select a default contactless payment app that launches when pressing double-click side button on your iPhone Before, the only option you had for a double-click on that button was Apple Pay.
The change will allow developers to bring in-app contactless transactions to everything from “in-store payments, car keys, closed-loop transit cards and corporate badges,” student IDs home keys (main door), hotel room key systems (“merchant loyalty and rewards cards”), Wallaby reports. To date, third-party apps have only been able to read tags over NFC.
The dreamy notion of carrying your government ID in Apple Wallet will be supported “in the future,” according to an Apple press release.
Apple says developers in Australia, Brazil, Canada, Japan, New Zealand the UK and US can expect to have access to relevant APIs for building these apps “in an upcoming iOS 18.1 developer beta with additional locations to follow.” But developers who wish to use Apple’s APIs will need “to enter into a commercial agreement with Apple, request the NFC [and SE entitlement] and pay associated fees.”
The move comes after Apple said it would open up iPhone NFC payments to third party providers in the wake of a European Commission antitrust investigation. In September, the European Commission also announced that it had made Apple's commitments into legally binding promises.