Tap on Phone

A turnkey, cost-effective solution that allows businesses to use a smartphone to accept payments

Tap on Phone is a low-cost, maintenance-free contactless acceptance solution that allows businesses to accept payments from any supported contactless card, mobile wallet, or wearable from their eligible NFC-enabled device.

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Target Audience

Acquirers
Fintechs
Merchants

Related APIs

Contactless Reader SDK

How it works

Tap on Phone allows businesses to accept payments from any contactless card or mobile wallet right from their NFC-enabled device. With no extra hardware required, businesses can take advantage of this on-the-go solution to enable quick and convenient payment options. Payments are processed as standard contactless transactions from the merchant’s smartphone, removing the need for additional hardware.

Benefits

No terminal required

Uses a mobile application on any iPhone or Android device.

Contactless acceptance

Accepts payments from contactless-enabled cards and devices, such as smartphones.

Paperless receipt

Option to send receipt to customers through SMS or email.

Solution integration

Enables additional business solution integration such as invoicing, inventory management and reporting.

Components that can be outsourced to Engage partners

Here's the value chain of a merchant environment with Tap on Phone solutions supplied by qualified Mastercard Engage partners.

Tap on Phone with PIN (PCI MPoC)

Tap on Phone solutions with PIN are approved against Mastercard's Security Principles and have received approval to pilot from Mastercard, in lieu of PCI Standards. Acquirers can select Tap on Phone solutions with PIN from a Mastercard® Engage–qualified partner.

Tap on Phone with PIN (Pilot Ready)

Tap on Phone with PIN Pilots are permitted dependent on developers MPoC plan and progression. Acquirers can select Tap on Phone solutions with PIN from a Mastercard Engage-qualified partner.

Tap on Phone without PIN (PCI CPoC)

Tap on Phone (CPoC) solutions are approved against the PCI CPoC certification process. Acquirers can select Tap on Phone solutions from a Mastercard® Engage–qualified partner.