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Apple VAS (Value Added Services) are concerned with storing and using digital passes in your Apple Wallet. In the same way that Apple Pay replaces bank cards when making contactless payments, Apple Wallet will store NFC enabled digital passes, which replace physical loyalty cards, event tickets, club membership numbers, QR-codes and other IDs used for non-banking applications. NFC passes in Apple Wallet can only be used with readers that support the Apple Pay VAS (Value Added Services) protocol.

Google Smart Tap technology is concerned with storing and using digital passes in your Google Wallet. In the same way that Google Pay replaces bank cards when making contactless payments, Google Wallet will store NFC enabled digital passes, which replace physical loyalty cards, event tickets, club membership numbers, QR-codes and other IDs used for non-banking applications.

NFC passes in Google Wallet can only be used with readers that support the Google Smart Tap protocol.

The security for an NFC pass has not been designed for payment applications, so it is different to that required by the banks of payment cards. An NFC pass can, however, be used to store a loyalty card, offer, voucher, ticket, gift card or token. This might include a meal ticket, promotional gift or free drink, which has no specific value.

An NFC pass could be used to trigger an adjustment to a payment requested by your payment system, such as applying a member discount, but if there is any residual payment that would have to be made using a bank card.

Apple will always carefully consider any new proposed application of NFC passes.