Add Money to Prepaid Cards
The NFC capabilities being added in iOS 13 will also allow your iPhone to write to an NFC tag, and while this has a number of possibilities, the most useful will be allowing third-party apps to actually update the balances on stored value cards (SVC), such as those used for public transit systems.
For example, if you prefer to use a physical transit card, the provider’s app could take your payment and update the balance on your card immediately simply by tapping the card against your iPhone. This would eliminate the need to reload at a kiosk in a transit station or wait for your card balance to be updated at a transit terminal after making an online payment.
Of course, the new NFC capabilities will also allow third-party apps to make transit payments directly from your iPhone, but we suspect you’ll still have to manually open the corresponding app to make payment unless the transit provider adds native support for Apple Pay Transit.