Yes for Apple Wallet , but only if you have developer mode enabled and have selected NFC Pass Key Optional from the developer menu.
Important Information
It’s important to understand the trade-offs. Here’s the difference:
Payload Type | Pros | Cons |
Plain Text | Simple to issue and test | Not secure—any NFC reader can see the data |
Encrypted | Secure, only SmartTap readers with your credentials can decrypt it | Requires integration to configure and process |
When to use plain text:
Proof of concept testing
Internal demos or quick prototypes
When not to use plain text:
Any production environment (live customers, real rewards, payments, etc.)
⚠️ Best practice: Always use encrypted payloads for real-world deployments. Plain text should only be used temporarily while testing.