The UK Competition and Markets Authority (CMA) is consulting on proposals to loosen Apple and Google’s restrictions on in-app payments in their app stores. The CMA’s plan would allow developers to “steer” users to alternative payment methods outside the App Store and Google Play, with the aim of increasing competition and reducing fees charged by the platforms. The regulator also says it is considering requirements for any fees Apple and Google charge for enabling steering to be fair and reasonable, and to remain below existing commission rates. It further proposes that any savings or benefits should be passed on to consumers or reinvested in innovation.
Separate from payment steering, the CMA is also considering whether Apple should provide greater access to its near-field communication (NFC) technology used for Apple Pay, potentially enabling alternative payment options within apps.
Apple has said it does not support allowing developers to direct users away from its payment infrastructure, arguing it could increase risk of scams, “bait-and-switch” tactics, and undermine protections such as fraud prevention and parental controls. Apple says it would continue to raise concerns with the CMA. The CMA has launched the consultation as part of its wider intervention to address market power in the UK.
