First, please check the document NFC & SE Platform for secure contactless transactions for the requirements and regional availability of NFC support with Secure Element. NFCTagReaderSession cannot be used for payment cards. You will need to use alternate CoreNFC APIs, which are only available via special entitlements and agreements. The document above will also explain the requirements for getting access to those APIs. Eventually, you will need to enter into an agreement with Apple and request the NFC & SE Platform Entitlement, if you satisfy the requirements as listed in the document above. If you are not able to use those APIs, PassKit framework will be your only remaining option, if appropriate. If you have already requested the relevant entitlements, if approved, you will receive further guidance on how to proceed with your development.