Banks and Credit Unions to Team Up Against Apple Pay Fees
A federal judge certified a class of US card issuers suing Apple over Apple Pay transaction fees.
U.S. District Judge Jeffrey White certified a class of U.S. payment-card issuers that enabled Apple Pay and paid Apple a fee, and denied Apple's motion to exclude expert testimony on monopoly power. The 2022 suit alleges Apple collects up to $1 billion a year by limiting rivals' access to the iPhone NFC chip, charging issuers 0.15 percent on credit cards and half a cent on debit cards. Plaintiffs contrast Apple with Android, which supports multiple wallets without issuer fees, and seek repayment plus an injunction. Since the filing, Apple has allowed NFC contactless payments in third-party apps from iOS 18.1 in the US, UK, EEA, and other countries.
- Judge certified a class of US issuers that paid Apple Pay fees.
- Suit alleges up to $1 billion a year from NFC exclusivity.
- Cited fees are 0.15% on credit cards and half a cent on debit.
- Apple opened NFC payments to developers starting in iOS 18.1.
Full article580 words · extracted from macrumors.com · click to collapse
Friday September 25, 2026 12:22 pm PDT by Juli Clover
An antitrust lawsuit accusing Apple of blocking tap-to-pay competition is moving forward and will see banks and credit unions able to band together to sue Apple.
U.S. District Judge Jeffrey White this week certified a class in the lawsuit. It will include any U.S. entities that issued any payment card enabled for Apple Pay and paid Apple a fee for Apple Pay transactions on that payment card. He also denied a motion from Apple to exclude expert testimony that plaintiff attorneys allege offers proof Apple has monopoly power over the mobile wallet market.
First filed in 2022, the suit claims Apple illegally collects up to $1 billion annually in fees by preventing rivals from accessing the iPhone's NFC chip to build mobile wallets that would compete with Apple Pay. When an iPhone user buys something with a card linked to Apple Pay, the card issuer has to pay Apple a 0.15 percent fee for credit cards and half a cent for debit cards, according to the lawsuit. If you make a $1,000 purchase via Apple Pay, Apple collects $1.50 from the card issuer.
The complaint alleges that Apple forces card issuers to pay fees by making Apple Pay the only tap-to-pay option. It points to Google's Android, which supports multiple wallets and does not collect a fee from card issuers for contactless payments. It suggests Apple would not be able to continue to charge "substantial fees" if it were forced to support other mobile wallets on Apple devices.
Apple has changed its policies since the lawsuit was filed. As of iOS 18.1, developers are able to offer NFC contactless payments in their apps. Developers have access to the NFC chip in the United States, Canada, Australia, Brazil, Japan, New Zealand, the UK, the European Economic Area, and many other countries.
Attorneys are seeking repayment of the fees card issuers have paid and injunctive relief to "put an end to Apple's policies."
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