Stefan Heaton’s blog piece “The reason Mobile myki isn’t available on iPhone… yet” is all the proof you need that Google inspired endless nonsense with Android Pay HCE support. This was shortly after the NFC “secure element” wars were over, with Secure Element on SIM cards losing out to eSE (embedded Secure Element) on smartphone chips. The HCE secure element in the cloud approach seemed like it would solve everything, except that it didn’t. It’s eSE or nothing now.
myki is MIFARE which has never been compatible with HCE. Neither is FeliCa, which Google Pay users outside Japan assumed would work for Suica until they found out HCE-F was pure fantasy and lost their shit.
What nobody has said, and I think it’s worth pointing out, is that the Android Pay to Google Pay shift was also a break with HCE and Google providing, or pretending to provide, a secure element strategy for all Android licensees. Instead, Google is focused on Pixel and their own eSE, all other Android licensees and manufacturers be dammed and left to find their own solutions. I guarantee you that, in time, Google will be doing most, if not all, of the same security hoops that Apple does now, for Google Pay card emulation (not host card emulation) for Google Pixel platform eSE access.
So yes, Apple does limit NFC Secure Element (implemented in the A and S Series) access with PassKit NFC certificates. But Apple Pay MIFARE is real MIFARE, and Apple Pay FeliCa is real FeliCa. Public Transport Victoria (PTV) can apply for a myki card PassKit NFC certificate just like any developer. And for goodness sake Stefan, stop writing sentences that confuse Express Transit payment cards (EMV credit/debit cards) with regular Express Transit cards (FeliCa, MIFARE, PBOC). Suica is not a credit card and emulating EMV at a transit gate doesn’t automatically make a credit card into a Apple Pay Suica transit card, not by a long shot. If your aim is promoting open loop over closed loop, that’s one thing. Either way, your LinkedIn blog post is not doing your LinkedIn resume any favor.
UPDATE: Yep, myki is coming to Apple Pay, nothing to do at all with HCE support.