[REVISION HISTORY]

Apple Wallet and Apple Pay feature updates and legal status

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2026-09-29 04:17 UTC → 2026-09-29 05:24 UTC · added ~~removed~~

Apple is rolling out updates to its digital wallet ecosystem through iOS 27. Initial developments include the introduction of a ‘Discover’ section within the Wallet app, designed to provide educational guides and shortcuts for managing digital assets such as Apple Pay, transit cards, and digital keys. Subsequent updates focus on enhancing the Apple Pay experience. A redesigned checkout interface utilizes a visual carousel, allowing users to navigate between registered cards via intuitive swipes rather than text-based menus. This interface also includes a new grid view to display specific card details, such as rewards and balances. A partnership with American Express enables users to redeem Membership Rewards points directly within the Apple Pay checkout flow for online or in-app purchases, with points valued at 0.7 cents each. Additionally, a ‘Tap to Share’ feature is expected to launch this fall as an extension of Tap to Pay on iPhone, allowing users to securely share contact details, shipping addresses, and loyalty rewards with participating merchants via a simple tap. Apple Pay is also expanding its contactless utility through NFC technology. Users can now perform cardless cash withdrawals at major ATMs, including those from Wells Fargo, Bank of America, Chase, and Citibank. Furthermore, the parking application PayByPhone has integrated Apple Pay in France. Recent iOS 27 updates have introduced ‘Create a Pass’ functionality, enabling users to digitize physical loyalty or membership cards. Financial management tools have also expanded; users can now split restaurant bills using Apple Cash by scanning receipts. While Apple has opened NFC access in the EU and internationally, the company faces ongoing legal scrutiny in the United States. A class-action lawsuit, active since 2022, alleges that Apple’s restriction of NFC technology to its own services constitutes anti-competitive behavior and that it collects billions in transaction fees from banks.

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