Yes, your phone can likely accept tap-to-pay if it's a modern iPhone (XS/11+) or a recent Android (Android 9+) with Near Field Communication (NFC) enabled; you just need to use a compatible payment app like Square, PayPal Business, or Stripe and turn NFC on in your phone's settings to receive payments from customers' tap-enabled cards or phones.
Expanding payment access, one tap at a time
With Tap to Phone (TTP), merchants anywhere can securely accept contactless payments on the near-field enabled Android and Apple smartphones they already own. Simply by downloading an app. Now even the smallest merchants can easily accept digital payments.
Yes, your phone likely has tap-to-pay if it's a modern smartphone with Near Field Communication (NFC) enabled, which you can check in your phone's settings (look for "NFC" or "Contactless payments") and then set up using apps like Google Wallet or Apple Pay. To use it, turn on NFC in Settings, add your credit/debit cards to your phone's digital wallet app, unlock your phone, and tap it near any terminal showing the contactless symbol.
You have 2 ways to tap to pay in a store: Unlock your phone and hold it near the reader: You can tap the terminal when your phone is unlocked, even when the Google Wallet app is not open. If prompted, use your Android screen lock to verify the payment.
How Do I Enable NFC on Android? Open Settings, go to the menu mentioned above, and toggle NFC on. Confirm any prompts that ask which app should handle contactless payments if you use multiple wallets. Set your default payment app on the same screen or in the Wallet app.
To prepare your Android device to use Tap to Pay: Ensure your device is running Android 9 or higher. On your device, navigate to Settings > Connections > NFC and Contactless Payments, then toggle ON Use NFC. Ensure “Developer options” are turned OFF in your device settings.
Set up pay contactless
Most modern smartphones, including iPhone (iPhone 6 and later) and many Android devices (Google Pixel, Samsung Galaxy, newer OnePlus, etc.), support tap-to-pay via NFC, using digital wallets like Apple Pay, Google Wallet, or Samsung Pay for contactless payments, with specific model compatibility depending on the app and carrier. The key is an NFC chip and a compatible digital wallet app for seamless, card-free transactions.
NFC connectivity is now a standard feature in modern smartphones. Since the iPhone 6, all Apple devices have been NFC-enabled. Most Android devices also feature NFC functionality.
If your wearable is linked to your phone, you can use it to make contactless payments even if your phone doesn't have NFC.
Yes, tapping your card is generally considered safer than inserting it because it uses tokenization and encrypted one-time codes, preventing your actual card details from being exposed to the terminal and reducing the risk of skimming, keeping your card in your possession at all times, and often requiring biometric authentication with mobile wallets, though both methods are secure due to EMV technology. While both tap and insert (chip) use strong EMV security, tapping avoids physical contact with potentially compromised readers and keeps your data encrypted for each transaction, making it a superior choice for security and hygiene.
About Tap to Pay
Accept contactless payments anywhere on-the-go with just your iPhone — no card reader needed. With Tap to Pay on iPhone, you can securely accept Apple Pay, Google Pay, Samsung Pay, and payment cards with NFC (Near Field Communication) chips wherever you are.
Yes, your phone likely has tap-to-pay if it's a modern smartphone with Near Field Communication (NFC) enabled, which you can check in your phone's settings (look for "NFC" or "Contactless payments") and then set up using apps like Google Wallet or Apple Pay. To use it, turn on NFC in Settings, add your credit/debit cards to your phone's digital wallet app, unlock your phone, and tap it near any terminal showing the contactless symbol.
Tap-to-pay technology is more reliable and secure than other forms of payment. The chip technology protects you against any fraudulent purchases through encryption and dynamic data technologies.
How to set up Tap to Pay on your Android device?
Most modern smartphones, including iPhone (iPhone 6 and later) and many Android devices (Google Pixel, Samsung Galaxy, newer OnePlus, etc.), support tap-to-pay via NFC, using digital wallets like Apple Pay, Google Wallet, or Samsung Pay for contactless payments, with specific model compatibility depending on the app and carrier. The key is an NFC chip and a compatible digital wallet app for seamless, card-free transactions.
You can pay with Google Wallet wherever you find the contactless or Google Pay symbols on the payment terminal screen or cash register.
If your mobile device is compatible:
Due to the state-of-the-art security features of tap-to-pay cards, the risk of fraud doesn't typically take place at the transaction level. Instead, it happens through other means, such as data breaches out of your control, scams, or not keeping your cards safe.
No hardware necessary
All you need is your smartphone and the free SumUp app to start accepting payments. Enabling Tap to Pay on Android is also 100% free of charge.
You can check for NFC settings on your Samsung Android device by looking in the settings app > connections > tap NFC and contactless payments. If you see an option for NFC there, your device is enabled to make NFC payments.