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Apple Opens Tap-and-Go Payment System to Rivals, Settles EU Antitrust Probe

Apple (NASDAQ) has reached an agreement with EU antitrust regulators to open its tap-and-go mobile payments system to competitors, ending a lengthy investigation and avoiding a potentially substantial fine. Here are the key details of the settlement and its implications:


Key Points:

Regulatory Settlement: Apple’s decision to open its near-field communication (NFC) technology, crucial for tap-and-go payments, to competitors comes after facing scrutiny from EU antitrust regulators for four years. This move resolves allegations that Apple hindered competition in the mobile payments market.


Duration and Scope: The agreement stipulates that Apple’s offer will remain valid for 10 years, allowing rival mobile wallet providers to develop pre-built payment apps that can utilize Apple’s NFC technology. This includes a broad range of applications such as mobile wallets for car keys, transit passes, corporate badges, and more.


Impact on Competition: Margrethe Vestager, the EU antitrust chief, emphasized that this decision will enhance competition in the mobile payments sector, offering consumers a wider array of secure and innovative mobile wallet options for transactions using iPhones.

Apple’s Perspective: Apple views this settlement as an opportunity to foster innovation among European developers, enabling them to integrate tap-and-go payments into various applications within iOS, including loyalty programs, event tickets, and more.

Broader EU Scrutiny: Despite settling this case, Apple still faces ongoing investigations under the Digital Markets Act (DMA) concerning its business practices, reflecting broader regulatory scrutiny over its market dominance.

Financial Impact: By settling the antitrust probe, Apple avoids a potential fine and adverse findings, contrasting with its recent 1.84 billion-euro penalty related to App Store restrictions impacting competitors like Spotify.


Apple’s decision to open its tap-and-go technology marks a significant regulatory compliance step and a departure from its traditional stance against EU scrutiny. The move is expected to foster competition in mobile payments across Europe, benefiting consumers and developers alike while navigating ongoing regulatory challenges under the DMA.

This settlement underscores Apple’s strategic adjustment to regulatory pressures in Europe and its commitment to maintaining market access while promoting innovation in digital payments.

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