Tapping a phone against a payment terminal takes a second, but the technology behind that action sits at the center of a serious competition dispute. On October 20, 2026, the UK’s Competition and Markets Authority proposed changes to access to the iPhone’s near-field communication technology, or NFC. The move could make room for Apple Pay competitors. It is, however, a consultation—not a final rule already in force.
Source: CMA outlines proposals to unlock contactless technology on Apple iPhone - GOV.UK.
What the watchdog wants to change
The CMA argues that existing fees and access conditions can make it too difficult for British companies to build competing digital wallets and other NFC products. Its proposal would require access to both major technical standards used internationally: the secure element built into a device and host-based card emulation, commonly called HCE.
The implications extend beyond the checkout counter. The same contactless capabilities can support transport passes, digital credentials and electronic keys, provided services meet appropriate security and commercial requirements.
Source: CMA outlines proposals to unlock contactless technology on Apple iPhone - GOV.UK.
Why an iPhone owner might care
According to figures presented by the CMA, contactless transactions accounted for 39% of payments in the UK in 2025. The regulator also reports that more than 60% of adults use a digital wallet and that Apple Wallet occupies a strong position. It points to the absence of a competing wallet launch in Britain as evidence of the obstacles developers face.
More competition could bring consumers different applications and give businesses new ways to build services. But it would be misleading to promise instantly cheaper banking or a better experience for everyone before the final requirements and market response are known.
Source: CMA outlines proposals to unlock contactless technology on Apple iPhone - GOV.UK.
Apple’s position and the next deadline
Payment security and privacy must be considered alongside the competition concerns raised by the CMA; the policy question is how to broaden access while protecting sensitive payment functionality.
The public consultation is open until November 17, 2026. Regulators will assess submissions before making a final decision. iPhone users do not need to take any action merely because proposals have been published.
The broader question is whether a single company should determine how other businesses can use a widely adopted hardware feature. The UK has started a formal process to examine that question; the eventual answer is not yet settled.
Source: Proposed NFC access conduct requirement for Apple’s mobile platform - GOV.UK.