美国联邦地区法院法官杰弗里·怀特本周认证了一起针对苹果公司的反垄断集体诉讼案件，允许美国银行和信用合作社联合起诉苹果1。该诉讼涵盖所有向苹果支付费用的美国发卡机构1，声称苹果通过垄断iPhone的NFC芯片来非法收取高额费用1。
根据诉讼指控，苹果对信用卡交易按交易金额的0.15%收费，对借记卡交易每笔收取半美分1。以1000美元的Apple Pay购买为例，苹果向发卡机构收取1.50美元1。这些费用年累计高达10亿美元1。与此形成对比的是，谷歌Android平台支持多个数字钱包，不向发卡机构收取非接触式支付费用1。该案件于2022年首次提起1。
法院驳回了苹果关于排除专家证词的动议，这些证词涉及苹果在移动钱包市场的垄断权力1。律师方面寻求判令苹果退还发卡机构已支付的费用，并发布禁止令以结束苹果的相关政策1。此外，苹果从iOS 18.1版本开始允许开发者提供NFC非接触支付功能，开发者现可在美国、加拿大、澳大利亚、巴西、日本、新西兰、英国、欧洲经济区及其他多个国家访问NFC芯片1。
U.S. Federal District Court Judge Jeffrey White certified an antitrust class action lawsuit this week, authorizing banks and credit unions to proceed collectively against Apple over its mobile payment practices 1. The litigation targets Apple's control of NFC chip access on iPhones, which the plaintiffs contend enables the company to impose unlawful fees that generate approximately $1 billion annually 1. According to the lawsuit, Apple charges card-issuing institutions 0.15% on credit card transactions and 0.5 cents on debit card transactions through Apple Pay 1. To illustrate the impact, a $1,000 purchase processed through Apple Pay results in Apple collecting $1.50 from the issuing institution 1.
The case, initially filed in 2022, centers on Apple's alleged monopoly control over the contactless payment ecosystem on its devices 1. The court rejected Apple's motion to exclude expert testimony regarding the company's monopoly power in the mobile wallet market 1. Notably, Android devices operated by Google support multiple competing wallet services and do not impose fees on financial institutions for contactless payments 1. The class action encompasses all U.S. entities that issue payment cards compatible with Apple Pay and have paid fees to Apple 1.
A significant development came with iOS 18.1, when Apple began permitting developers to access the NFC chip for contactless payments across multiple markets including the United States, Canada, Australia, Brazil, Japan, New Zealand, the United Kingdom, and the European Economic Area 1. The plaintiffs' legal team is seeking reimbursement of all fees paid by issuing institutions and an injunction to halt Apple's current policy 1.
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