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Understanding secure contactless transactions in iOS 18

With the release of iOS 18.1, Apple will finally open its secure contactless payments system to third-party developers. Here’s how Apple’s implementation functions.

NFC payments using iPhone.
Contactless payments.

In iOS 18.1 Apple will open its secure NFC hardware and contactless transactions initiative to third-party developers.

This system combines the on-device Secure Enclave, Secure Element, and NFC hardware to allow secure payments using NFC-based contact terminal devices which are used both for payment and verification.

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