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Parliamentary questions
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1 October 2018
Answer given by Ms Vestager on behalf of the European Commission
Question reference: P-004223/2018

The Commission monitors compliance with competition rules by operators active in the payments systems sector, including mobile payments systems.

In that regard, the Commission is aware that Apple does not make the Near-Field-Communication interface to Apple Pay accessible to other financial service providers.

Apple is one of several mobile payment solutions based on existing card payment systems, where the mobile device acts as technical interface between the consumer and the merchants, while the transactions remain based on tokenised card credentials.

Other card based mobile payment solutions are Google Pay or Samsung Pay. Mobile payment solutions not based on cards are also being developed, such as linking a mobile phone to a bank account. The Commission is closely following these developments and their impact on the mobile payment sector.

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