UK Proposes New Ways to Help Apple Pay Rivals

The UK’s competition regulator has proposed changes to make it easier and cheaper for companies to offer alternatives to Apple Pay on the iPhone (via Reuters).

The Competition and Markets Authority (CMA) says Apple’s fees and restrictions make it too difficult for rivals to launch contactless payment apps. Its proposals would give developers more ways to access the iPhone’s NFC technology, which allows users to pay by holding their device near a payment terminal.

Apple opened up NFC access to developers in the UK in 2024, but companies must sign an agreement with Apple and pay fees. They also have to use the iPhone’s Secure Element, which is a chip that stores sensitive information such as payment credentials.

The CMA wants Apple to also support host card emulation (HCE), an alternative that lets payment apps work without using the Secure Element. It also proposes rules that it expects would substantially lower Apple’s access fees, although it would still allow the company to charge something.

Apple already offers HCE access for free in the European Union under commitments agreed in 2024. The CMA highlights that rival payment apps have since launched in the EU, while no competing wallet-type product has launched in the UK under Apple’s current terms.

Apple told Reuters that developers can already offer contactless services using its technology:

We do not believe the CMA should require ​Apple to adopt an approach with lower privacy and security protections. We will continue to engage constructively to reach ​an outcome that is in the best interest of our users.

The CMA said the evidence it reviewed did not suggest either approach was inherently insecure. The proposals are open for consultation until November 17, 2026. The CMA will make a final decision after reviewing responses.

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