Accept In-Person Payments with Tap to Pay

Turn your phone into a card reader. Tap to Pay lets you collect contactless payments — physical cards, Apple Pay, Google Pay — directly through the mobile app, with no extra hardware required for most transactions.

Device requirements

• iPhone: XS or newer, running iOS 16 or later (iOS 16.4+ for the Square version below).
• Android: any NFC-capable device running Android 8 or later.
• Make sure your mobile app is updated to the latest version before your first transaction.

Take a payment

1. Open the mobile app and go to Point of Sale.
2. Enter the sale amount, or add items and any notes about the sale.
3. Confirm your connected payment processor is set up under Payments > Integrations on the web app, and that your location is correctly configured.
4. Tap Charge.
5. Choose a tip option, or select no tip.
6. Have the customer tap their card or phone against the back of your device.
7. Once approved, you'll see a confirmation screen with the transaction details — offer the customer a receipt from there.

Using Square instead

If Square is your connected processor, you get a couple of additional ways to take in-person payments:

• Square Reader — pair a physical Bluetooth reader (iOS only) under Settings > Square Payment Devices in the mobile app, then tap, swipe, or insert a chip card through the reader.
• Tap to Pay on Square — skip the reader entirely and use your iPhone itself: start a sale, add items, tap Payment Instruments > Square Payments > Tap to Pay on iPhone, and have the customer tap their card or wallet on your phone.
• Manual card entry or cards on file are available as a backup any time a reader or tap isn't practical.

Connect Square first under Payments > Integrations on the web app and pick an active location before using any of these options.

Fraud protection happens automatically

For added security, some transactions are automatically verified with 3D Secure — the customer confirms their identity via a code, Face ID, or a bank redirect before the charge goes through. This is triggered by your processor's risk engine based on the card, amount, and location; you don't need to configure anything for it to work, beyond making sure billing address fields are present on any checkout you build separately from Point of Sale.

Availability

Tap to Pay support can vary by country and by which processor you have connected — if the option doesn't appear on your device, confirm your processor supports it in your region before troubleshooting further.