To use your phone as a card, set up a digital wallet like Google Wallet (Android) or Apple Wallet (iPhone) by adding your credit/debit cards, then enable NFC (Near Field Communication) in your phone's settings and tap your phone near contactless readers to pay in stores or online, or use your phone as a card reader for your business with apps like Square.
Quick Steps
You can use your phone to pay for goods or services with Google Wallet.
iK Tap on Phone allows you to take payments without a card machine. Take your business on-the-go or use it as a back-up solution for when business gets busy. Which phones can tap to pay? Most smartphones support tap-to-pay functionality, using NFC (Near Field Communication) technology.
Contactless or tap payment
How do Digital Wallets work? Simply load your eligible credit or debit cards into the Digital Wallet app directly or by using your mobile banking app. You'll usually designate one card as your primary payment method, but you also have the option of selecting a different stored card at checkout.
Yes, Google Wallet is completely free to download and use for storing cards, tickets, passes, and making contactless payments, with no subscription fees or charges from Google for using the service itself, though standard bank fees (like interest) may still apply to your linked cards. You only pay for purchases made with your cards, not for using the wallet app, and any small, temporary authorization holds (like $1-$2) are for verification and don't appear on statements.
What is myPOS Glass? myPOS Glass is a software POS app, or softPOS, that allows you to take payments via cards, mobile wallets and NFC wearable devices on your mobile phone. You can get your money in seconds with a myPOS merchant account which comes with instant settlement.
Be ready to accept in-person contactless payments with Tap to Pay on Android.
You can pay with Google Wallet wherever you find the contactless or Google Pay symbols on the payment terminal screen or cash register.
Digital wallets often provide enhanced security through information encryption, making them safer. However, if an unauthorized individual were to gain access your device, they could potentially access your digital wallet, putting your personal information and financial assets at risk.
How do I use a cardless ATM?
RFID-blocking wallets, like the PROOF Wallet, prevent digital theft no matter where you happen to spend the day.
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Manage Android settings for Tap to Pay on Android
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.
Only 13 per cent report having gone completely cashless. Despite more than half of Canadians (55 per cent) who say they have no desire to go cashless, 49 per cent think it is likely that Canadian stores will go completely cashless in the next 10 years compared to 31 per cent who think it is unlikely.
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.
Yes, you can use your phone as a card reader, either by using its built-in NFC (Near Field Communication) for "Tap to Pay" with apps like Square or Shopify for contactless payments, or by connecting a small, external physical reader (like for chip/swipe) to your phone via USB-C or Lightning for more options, with both methods requiring a payment processing service. Your phone acts as the terminal, accepting payments directly (tap) or through a small dongle, making it a convenient way for businesses to accept cards.
Is Google Wallet free of charge? Yes!
When adding your card Google will preauthorise a small amount (usually $2) however this amount should not appear on your statement when it is issued.