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Maybe I’m not understanding properly, but iPhones absolutely can do NFC payments when the phone is dead. Your nominated “express” card will work for transit pay

Maybe I’m not understanding properly, but iPhones absolutely can do NFC payments when the phone is dead. Your nominated “express” card will work for transit payments, and I believe car and house keys continue to work too.

Tokumei-no-hito 1y ago
that's seems like an obvious security vulnerability. if the phone has no power then how does it authenticate the payment request?
- wrboyce 1y ago
  It only works with approved transit providers and you have to explicitly enable it so the exposure is fairly limited. https://www.apple.com/uk/apple-pay/transport/ https://www.apple.com/uk/apple-pay/transport/
- lxgr 1y ago
  If you think about it, it's still more secure than a physical card – that also doesn't have any authentication method at transit terminals, but unlike the "Express Transit" option on iOS, you can't turn that functionality off at all.
lxgr 1y ago
No, that still requires some battery on iOS, i.e. it's only possible in the same "power reserve" mode that still sends the occasional "Find my iPhone" Bluetooth beacon. Field-powered mode is possible in at least some NFC chipsets, but I suspect that Apple either values a consistent NFC range more than usability even with a completely dead battery (the amplifier that grants a significantly higher NFC range to Apple Pay obviously needs power), they see it as a security feature (reserve mode is capped to a few hours, I believe), or their NFC controller simply doesn't support it.