Visa has begun trials of an iPhone-based mobile payment system in Europe, Computerworld reports. The trials, which started today, require on-device software to be installed on testers’ iPhones, as well as a hardware accessory that contains an NFC chip. Visa’s solution also requires retailers to install a hardware terminal capable of processing the mobile payments. Apple is expected to add native NFC capabilities to its next-generation iPhone, which means users would not have to attach any additional device to their phones in order to pay for goods and services. Apple has not yet confirmed the addition of NFC to its next-generation smartphone, however, so it is unclear if the company plans to restrict third-party access to NFC capabilities. In that event, third-party solutions like the one Visa is currently trialling would still require a hardware accessory to function. A survey conducted by Visa in Europe found that 87% of iPhone users would be willing to connect a hardware accessory to their phones in order to enable mobile payments.