The Competition and Markets Authority outlines proposals for Apple to widen access to its iPhone contactless payment technology
The Competition and Markets Authority outlined proposals on 20 October to open up contactless technology on the Apple iPhone, according to GOV.UK. BBC News reports the proposed changes could lead to new digital wallets and keys as well as ticketing apps. City AM headlined its report that Apple faces a UK crackdown over iPhone contactless payments, and Reuters headlined that Britain seeks to break Apple's grip on contactless payments. The Evening Standard reports that the regulator said Apple should open access to contactless payment systems. The proposals are not final decisions, and Apple has not been reported to have accepted them.
Phones keep payment cards, travel passes and keys behind one gatekeeper. If other developers can use the same contactless chip, banks and transport operators can offer their own wallets, which could lower fees and widen choice.
You would not need to change anything today. If the proposals take effect, you may be able to use a bank's or transport operator's own wallet on an iPhone instead of Apple Wallet.
The regulator's case, as BBC News and GOV.UK report it, is that wider access lets rival wallets, keys and ticketing apps compete with Apple's.
Apple has argued in other markets that restricting access to its payment chip protects security and helps fight fraud, a position the Financial Times reported it would defend, so the proposals may be contested.
Confirmed: the regulator has published proposals on 20 October. Not confirmed: final rules, a timetable or Apple's formal response. Watch for the consultation period and any Apple statement.
DailyDrop U.K. edition No. 17 · Morning · WED., OCT. 21, 2026