The introduction of NFC and Secure Element (SE) APIs in iOS 18.1 unlocks new monetization opportunities for iOS app developers, Apple said Wednesday — though fees apply. But on the plus side, secure in-app near-field communication (NFC) transactions in iOS 18.1 will let devs integrate secure, contactless transactions directly within their apps on iPhone, independent of Apple Pay and Apple Wallet.
iOS developers get in‑app NFC transactions using the Secure Element
In its announcement, Apple emphasized that the NFC and SE APIs take advantage of the Secure Element, calling it “an industry-standard, certified chip designed to store sensitive information securely on device.” Previously, Apple kept its NFC chip under wraps for use only with Apple Pay, except in the European Union, where the Digital Markets Act already pushed it toward opening up NFC to third-party apps.
So the new capability empowers developers to create versatile and feature-rich apps while potentially increasing user retention and monetization opportunities. By offering a direct pathway to implement secure NFC transactions, Apple opens doors for developers to innovate on apps in various sectors, too, like retail, transportation, access control and event management.
Key benefits for developers:
- Expanded functionality: Create innovative apps that handle in-store payments, digital keys, transit passes, ID cards, loyalty programs and event tickets — all using NFC technology.
- Enhanced user experience: Offer seamless, contactless transactions without redirecting users to separate apps or wallets.
- Increased app engagement: Potential to become users’ default contactless app, driving more frequent app opens and interactions.
- Robust security: Leverage Apple’s industry-leading Secure Element, Secure Enclave and biometric authentication to ensure top-notch transaction security.
- Future-proof development: Position your app for upcoming features like government ID support.
How to access the new APIs
So to access new APIs (available by fee), developers will need to enter into a commercial agreement with Apple and meet certain industry and regulatory requirements. That ensures only authorized developers committed to maintaining Apple security and privacy standards can implement the technology, Apple said. The NFC and SE APIs will be available to developers in select countries with the upcoming iOS 18.1 developer seed, with plans for broader global rollout in the future.
Read more about how it works, requirements, availability and access.
Source: Apple
