How to set up Tap to Pay on iPhone to accept card payments anywhere

Tap to Pay on iPhone is a helpful feature that businesses can leverage to accept contactless, in-person payments from almost anywhere – no extra fees or additional hardware needed.

This article includes tips, suggestions and general information. We recommend that you always do your own research and consider getting independent tax, financial and legal advice before making any important decision.

As a business owner, you should have the freedom to accept in-person, contactless payments from almost anywhere with ease. Whether you’re taking your business on the road or setting up a stall at a neighbourhood market, accepting payments almost wherever your customer is should be smooth so you can attract new shoppers and expand your customer base.

Enter Tap to Pay on iPhone and the Point of Sale app.

This smartphone solution is ready to help revolutionise the way you accept contactless payments from credit and debit cards, Apple Pay® and other digital wallets.

Now, you can meet shoppers with the experience they crave by using Tap to Pay on iPhone. It’s quick and easy to get started with this contactless payment acceptance solution, available in the Point of Sale app.

Learn how to use Tap to Pay on iPhone and set up this feature for your business.

What is Tap to Pay on iPhone?

Tap to Pay on iPhone lets you accept in-person, contactless payments on your iPhone – so you can accept payments almost anywhere you do business. In fact, you don't even need a store or office.

You just need your iPhone and the Point of Sale app to start accepting contactless payments on the go. No extra hardware needed.

What type of contactless payments, exactly?

With Tap to Pay on iPhone, you can accept any form of contactless payment, including contactless debit and credit cards from Visa, Mastercard and American Express. You can also accept Apple Pay® and other digital wallets.

Why use Tap and Pay on iPhone? Key benefits for your business

Tap to Pay on iPhone can be a game-changing tool for growing businesses. Whether you have the best coffee shop in town, run a mobile dog grooming company, or make artisanal ice cream, Tap to Pay on iPhone gives you the power to accept payments straight from your iPhone.

As you expand your business, Tap to Pay on iPhone can help you:

  • Give your customers more ways to pay.
  • Sell in new places.
  • Say goodbye to additional hardware and cables.
  • Start using a safe and secure new payment acceptance method.
  • Acquire new customers and build trust.
  • Quickly and easily accept payments so you can continue investing in your passion.

What are the benefits of Tap to Pay on iPhone?

Tap to Pay on iPhone isn’t just perfect for traditional bricks-and-mortar retailers.

Any retail situation where you meet customers face-to-face will only be improved by the ability to Tap to Pay on iPhone.

Whether you’re a food truck owner ringing up orders without bulky equipment, a craft fayre vendor trying to keep the lines moving or a mobile hairdresser that would love to be able to accept payments by just pulling out their phone, it’s a practical and painless process.

For any mobile service provider, Tap to Pay on iPhone allows for collecting payments on the spot. No more awkward follow-up invoicing. This allows tradespeople like plumbers or electricians to finalise jobs with a quick tap.

This convenience is only going to improve cash flow, and the ability to give customers instant receipts via email or SMS will help turn one-off bookings into regular customers.

Even event organisers and fundraisers can use an iPhone to accept contactless donations or ticket fees. That could mean less time handling cash and more time taking payments.

Wherever you sell, Tap to Pay on iPhone slots smoothly into your workflow and means one less gadget to carry and one more way to close the sale.

How iPhone contactless payment works with Tap to Pay

No more fumbling with cash or a card reader.

And no more paying extra fees just to process a new type of transaction.

With Tap to Pay on iPhone, customers can simply pay with their contactless card, Apple Pay® and other digital wallets. Tap to Pay on iPhone also uses the built-in security features of iPhone to help keep your customer and business data safe.

Already using a point-of-sale (POS) solution to accept in-store payments?

Simply complement it with Tap to Pay on iPhone, making in-person, contactless payments even easier to accept.

Is taking card payments on an iPhone secure?

When you take card payments on iPhone, the information will be filtered through Apple’s Secure Element.

This tamper-resistant security chip encrypts card data at the moment of the tap. No sensitive information ever touches your app or server.

Each transaction is tokenised, meaning a one-time code replaces the actual card details. Even if the code is somehow intercepted by rogue elements, it’ll be unusable to them.

All data in transit is protected by end-to-end encryption, and iOS’s built-in biometric or passcode locks support that only authorised staff can process payments.

PayPal’s Point of Sale app also undergoes rigorous PCI DSS compliance audits, giving you enterprise-grade security without the complexity (or cost) of managing it yourself.

How to take payments on iPhone using Tap to Pay

It’s easy to set up this new feature. Just pull out your iPhone and follow a few key steps to start accepting contactless payments right away:

  • Enable Tap to Pay on iPhone by either starting a payment or via settings.
  • The first time you start a Tap to Pay on iPhone payment you will be prompted to accept Apple's terms and conditions.
  • Present the iPhone to the customer.
  • Invite the customer to hold their contactless card or other device over the contactless symbol at the top of your iPhone.
  • Once the ‘Approved’ checkmark appears, the transaction is complete.
  • The money will be collected and paid into your PayPal balance directly.

What do I need to know before setting up Tap to Pay on iPhone?

Before you tap into contactless on iPhone, make sure:

  1. Your device is supported: Tap to Pay requires iPhone XS or later running the latest iOS with NFC enabled.
  2. You’re on the right app: Install the latest PayPal Point of Sale app and complete merchant verification.
  3. Payments are enabled: In settings, enable Tap to Pay under Payments and accept Apple’s terms and conditions.
  4. You’ve informed staff: Train staff members on where to tap and how to confirm ‘Approved’ on screen.
  5. You have reliable connectivity: Payments require internet access (cellular or Wi-Fi) to complete authorisations and settle funds.

Once you’ve checked these boxes, you’re likely to be ready to accept in-person contactless payments with just your iPhone.

Learn more with these Tap to Pay on iPhone FAQs.

Start accepting contactless credit card payments on iPhone.

Growing a business from scratch takes a lot of work. You need tools that can streamline your sales and take your company to the next level.

That’s why Tap to Pay on iPhone exists: to help you meet shoppers with a quick and painless payment experience.

The good news is getting started is simple. What you need is your iPhone, an internet connection and the Point of Sale app. Once Tap to Pay on iPhone is set up, you can start accepting contactless payments from almost anywhere.

Download the Point of Sale app to get started and learn more about how to use Tap to Pay on iPhone.

Start accepting contactless credit card payments on iPhone.

Growing a business from scratch takes a lot of work. You need tools that can streamline your sales and take your company to the next level.

That’s why Tap to Pay on iPhone exists: to help you meet shoppers with a quick and painless payment experience.

The good news is getting started is simple. What you need is your iPhone, an internet connection and the Point of Sale app. Once Tap to Pay on iPhone is set up, you can start accepting contactless payments from almost anywhere.

Download the Point of Sale app to get started and learn more about how to use Tap to Pay on iPhone.

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