NFC Implentation for Peer - Peer Device

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Created Jan ’25

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We are in the process of developing a mobile banking application and have a key requirement related to NFC-based peer-to-peer (P2P) transactions. Our goal is to enable secure and seamless money transfers between two devices using NFC.

Business Requirement: The application will provide a feature where users can initiate money transfers via NFC. The sender starts an NFC payment session from their device. Simultaneously, the receiver starts an NFC session to accept the payment. The sender's device should be able to detect the receiver’s NFC tag and process the transaction securely.

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Answer 1

Engineer OP

Apple

Jan ’25

Using the base CoreNFC it is neither possible to become an NFC tag (which you would need to for peer to peer) nor to interact with payment related cards (if you are trying to read/write bank cards)

Currently there are several special programs that will allow apps to interact with payment cards/readers, and also emulate cards. You can read about the capabilities and requirements for these use cases in the following documents:

NFC & SE Platform for secure contactless transactions

Tap to Pay on iPhone which will need you to work with a Payment Service Provider in your region

HCE-based contactless transactions for apps in the European Economic Area (EEA)

All these programs have strict geographic and eligibility requirements, which you can find out at the above links.

If you are not eligible at this time, no other use cases are supported.

Argun Tekant /  DTS Engineer / Core Technologies

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