You can use Tap to Pay on iPhone to make purchases, just by holding your iPhone near a payment terminal.
Tap to Pay is supported on iPhone 8 and later models, as well as Apple Watch Series 3 and later.
With Tap to Pay, you can make purchases without having to take out your wallet or card.
Get Started
To get started with Tap to Pay on iPhone, you'll need to download a supported payment app from the App Store. This will be the foundation for accepting payments with your iPhone.
You'll need to accept the terms and conditions on your device, which is a straightforward process. Simply review the terms, and then tap "Agree" to move forward.
To use Tap to Pay on iPhone, your device requires a device passcode. This is a security feature that helps protect your transactions. To set a passcode, go to Settings > Face ID & Passcode.
You'll also need to ensure your iPhone is running the latest software. To check for updates, go to Settings > General > Software Update. Your iPhone should be running iOS 15.5 or higher to use Tap to Pay.
To enable Tap to Pay on iPhone, you'll need to sign in to your Square Point of Sale app and navigate to Settings > Account. From there, toggle on Tap to Pay and verify the correct Apple ID is displayed.
Here are the system requirements for Tap to Pay on iPhone:
Make sure you have the necessary hardware and software to use Tap to Pay on iPhone. With these simple steps, you'll be ready to start accepting payments with your iPhone.
How It Works
To set up Tap to Pay on iPhone, you simply need to enable it in the payment app of your choice. This is a straightforward process that gets you started with accepting payments in no time.
To accept a payment, you'll need to open the app, enter the amount, and present your iPhone to your customer. The customer can then hold their card horizontally or place their device directly over the payment symbol.
The payment experience is designed to be easy and trusted, with a clear screen that shows the amount being charged, the merchant's name, and directions on where to tap their card or device. This transparency helps build trust with your customers.
All transactions made using Tap to Pay on iPhone are encrypted and processed using the Secure Element, ensuring that your customers' payment data is protected. This is the same technology that makes Apple Pay private and secure.
Secure and Private
Tap to Pay on iPhone uses the built-in features of iPhone to keep your business and your customer data private and secure. Apple doesn't store card numbers on the device or on Apple servers, so you can rest assured knowing your business stays yours.
To ensure your Android device is secure, make sure it's not "rooted", the device bootloader is locked and unchanged, and it has a hardware-backed keystore.
Here are some best practices to follow for secure Tap to Pay on iPhone transactions:
- Never hand your mobile device over to your customer. Have the customer hold out their card or NFC device, or hand it to you, to tap on your iPhone.
- As your customer is tapping their card or NFC device, watch for the screen to show the transaction as Approved. This will be accompanied by an audible beep and vibration to confirm that the payment has been accepted.
- Review your Transactions to check if a Tap to Pay payment was successfully accepted. Tap to Pay transactions are registered as a Card payment and have the card type and last 4 digits of the card number displayed.
- You can remove unused payment types by navigating to ≡ More > Settings > Checkout > Payment.
- Enable passcodes on your device. This will require a passcode entry when backing out of the Tap to Pay on iPhone payment screen. Navigate to ≡ More > Settings > Security and turn the Passcodes toggle on. Then select the option to require the passcode To back out of a customer-facing payment screen.
iPhone is designed with privacy and security built in, and Apple doesn't store card numbers or PINs on iPhone or Apple servers.
Using Tap to Pay on iPhone
To use Tap to Pay on iPhone, you'll need an iPhone XS or newer, running iOS 16.7 or later, with the NFC chip enabled and an iCloud account signed in. Also, make sure your device has a passcode set.
You can accept payments for existing orders via Tap to Pay on your iPhone, or quickly process simple payments. Simple payments are for variable dollar amounts not tied to an order.
To collect the payment for an order, navigate to the Orders tab, tap on the order, and then tap on the Collect Payment button. Select the Tap to Pay on iPhone option and follow the prompts.
Tap to Pay on iPhone can only collect payment in the country's default currency. For example, UK merchants can only accept payments in GBP.
To collect a simple payment, navigate to the Menu tab, click on the Payments option, select Collect Payment, enter the amount, and toggle tax collection on or off as needed. Then, select the Take Payment button and choose the Tap to Pay on iPhone option.
Tap to Pay on iPhone allows you to accept payments anywhere, anytime, making it easier to reach new customers and sell on the go.
Frequently Asked Questions
Is tap Pay the same as Apple Pay?
While Tap to Pay on iPhone shares some similarities with Apple Pay, it's not exactly the same thing. Tap to Pay offers an additional layer of convenience, allowing customers to make contactless payments directly from their iPhone screen.
Is Apple Pay different from Tap to Pay?
While Apple Pay and Tap to Pay share similar security features, Tap to Pay is a more general payment technology that can be used with any iPhone, whereas Apple Pay is a specific service for Apple devices. Tap to Pay offers the same level of security and privacy as Apple Pay, making it a convenient and secure payment option.
How do I use Apple Wallet for Tap to Pay?
To use Tap to Pay with Apple Wallet, open the payment app, enter the amount, and present your iPhone to the customer. The customer then taps their card or device on the payment symbol to complete the transaction.
How do I make my iPhone Tap to Pay?
To enable Tap to Pay on your iPhone, select the option and tap your customer's card to complete the transaction securely. This process provides the same level of security as any payment made with Square.
Is Apple Pay the same as Tap to Pay?
Apple Pay is a type of payment that can be accepted through Tap to Pay on iPhone. Tap to Pay on iPhone is a service that allows merchants to accept Apple Pay and other contactless payments.
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