The problem isn't that you can't use Apple Pay, but you can't release an app that works like Apple Pay because of features Apple do not allow others to use. Qui

The problem isn't that you can't use Apple Pay, but you can't release an app that works like Apple Pay because of features Apple do not allow others to use. Quick look at the docs, Apple only allows apps to read NFC tags, not host card emulation to use for contactless payments the same way your credit card or Apple Pay works https://en.wikipedia.org/wiki/Host_card_emulation https://en.wikipedia.org/wiki/Host_card_emulation