Home / Business and Politics / European Commission Accuses Apple of Monopoly Over Contactless Payments

European Commission Accuses Apple of Monopoly Over Contactless Payments

An investigation has been opened against Apple for violating European competition law due to the abuse of its dominant position in digital payments. The company has been accused of restricting access to contactless technology for competitors.

The European Commission is concerned that Apple is preventing competition in access to so-called ‘tap and go’ chips and near-field communication (NFC) in favor of its own Apple Pay system.

Margrethe Vestager, Executive Vice President of the European Commission for Europe Fit for the Digital Age, responsible for competition, stated that Brussels assumed that Apple limited access to key technology necessary for the development of competitive forms of digital wallets on their devices.

She also added that the Commission ‘previously learned that Apple may have restricted competition in favor of its own Apple Pay application.’ If confirmed, ‘such actions would be illegal under our competition rules,’ Vestager said.

If the allegations are confirmed, the company could face a financial penalty of up to ten percent of its global revenue.

A Series of Allegations

The allegations from the European Union are the latest in a series of monopoly accusations that have led to an investigation against this tech giant in Brussels.

Apple is also under scrutiny for the way it is believed to hinder competitors in the App Store by taking 30 percent from certain subscriptions while denying some the ability to show users other upgrade options. This case was opened two years after complaints were made to the Commission by the music streaming application Spotify.

New allegations have emerged after Brussels approved two significant laws, including the Digital Markets Act aimed at reducing the power of large tech companies.

Brussels has stated that Apple enjoys significant trading power in the mobile device market and a dominant position in the field of digital wallets, i.e., contactless payments. Earlier findings in the case confirmed that ‘Apple Pay is the only digital wallet option that has access to the key NFC connection on the iOS system.’

Apple does not allow other mobile payment applications access to NFC. The ‘tap and go’ technology for contactless payments is built into Apple devices.

– We created Apple Pay to enable easy and secure access to existing bank cards and other financial resources to facilitate contactless payments for our users. Apple Pay is one of many payment applications available to European consumers that has access to the NFC system and sets leading standards for privacy and security – said Apple, adding that they will continue to cooperate with the Commission to ensure European consumers have access to digital payments.

– Mobile payments play an important role in our digital economy and are crucial for the integration of the European market where consumers can benefit from a competitive and innovative payment environment – said Vestager.