Some capabilities actually need a paid developer account even if you don’t plan to put the app on the store.
The Capability library shows only the capabilities
available to the target type and your program
membership. If you are not a member of the Apple
Developer Program, the capabilities you can add are
limited.
Some capabilities actually need a paid developer account even if you don’t plan to put the app on the store.
https://help.apple.com/xcode/mac/current/#/dev88ff319e7
Sure, but that is for capabilities where it makes sense. For example if your app wants to use iCloud.
Last time I checked that also affected nfc (I don’t mean Apple Pay, but plain nfc)