Apple provides Core NFC to developers: <a href="https://developer.apple.com/documentation/corenfc" rel="nofollow">https://developer.apple.com/documentation/corenfc</a><p>It must either be pretty neutered, or against the terms to use it for payment processing, given that there are no competitors to Apple Pay on the App Store that take advantage of the iPhone’s NFC chip or Secure Enclave (that I’m aware of).<p>I could definitely see the antitrust angle on this.