Apple Tap to Pay on iPhone

Accept payments with Tap to Pay on iPhone

For the best results when taking a Tap to Pay payment, the card or NFC device should be placed on the front of your iPhone near the Hold Here to Pay icon.

To accept payments with Tap to Pay on iPhone, you need to do the following:

• Use an iPhone XS or newer using iOS 18 or newer. 
  • To check if your device is compatible, go to your “Settings” icon
  • scroll down to “General”
  • Select “About”, and check the Model name & iOS version of your phone. 

• Make sure your iPhone's Date & Time settings are set to automatic.
• Set and require a passcode for your iPhone.
• Have a stable internet connection. Offline payments are not supported with Tap to Pay on iPhone. 

💡 If you use a phone case that holds physical cards, we recommend removing them from your phone case to prevent accidentally charging your own card while Tap to Pay on iPhone is enabled. You can also disable NFC in your iPhone device settings when you aren’t processing Tap to Pay payments.

Security practices for Tap to Pay on iPhone 

• Tap to Pay on iPhone is an easy way to enable users to accept payments directly on compatible iPhones. 
• With Tap to Pay on iPhone, your business and customer data are protected by the security and privacy features built into the iPhone, and Apple does not store card numbers on devices or on Apple servers.

To make sure payments are processed securely:

• Never hand your mobile device over to your customer. Rather have the customer hold out their card or NFC device, to tap on your iPhone.
• As your customer is tapping their card or NFC device, watch for a spinning circle while the payment is being authorised. This will be accompanied by an audible beep or vibration. The payment is not accepted until you see a checkmark and "Approved" icon.
• 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 on your transaction history. 
• Ensure your phone has a passcode entry to prevent customers from backing out of the Tap to Pay on iPhone payment screen.