The tap to pay app directory
Turn your iPhone or Android phone into a contactless card reader — no extra hardware. Compare 43+ apps by pricing, features, platform and country.
The most popular picks — see all apps below.
| App | Platforms | In-person pricing | Monthly fee | Best for |
|---|---|---|---|---|
| Square | iPhone & Android | 2.6% + 15¢ contactless on the free plan (2.5% + 15¢ Plus, 2.4% + 15¢ Premium). No monthly fee on the free plan. | None to start | Most small businesses wanting an all-in-one free POS |
| Stripe Tap to Pay | iPhone & Android | Typically 2.7% + 5¢ for in-person card payments in the US (varies by country and negotiated rates). No mandatory monthly fee. | None to start | Developers & platforms embedding payments in their own app |
| SumUp Tap to Pay | iPhone & Android | No monthly fee; roughly 1.69% (UK) up to ~2.1% in some markets per contactless transaction. | None to start | European micro-merchants and mobile sellers |
| PayPal Tap to Pay | iPhone & Android | Around 2.29% + 9¢ per contactless transaction in the US. No monthly fee. | None to start | Sellers already using PayPal |
| Shopify Tap to Pay | iPhone & Android | In-person rates from ~2.6% + 0¢ depending on Shopify plan; requires a Shopify subscription (plans from ~$29/mo). | From $29/mo | Shopify merchants selling online and in person |
| Clover Go / Tap to Pay | iPhone & Android | Around 2.6% + 10¢ in person; plan and hardware costs vary, monthly software fees may apply. | Varies | Growing retail & restaurants wanting a full POS suite |
Filter by platform, category, region and price.
Adyen N.V.
Enterprise-grade Tap to Pay through Adyen's unified commerce platform and SDKs.
Bank of New Zealand
New Zealand bank's Tap to Pay app for accepting contactless payments on a phone.
JPMorgan Chase
Tap to Pay on iPhone from a major US bank, integrated with Chase business banking and payments.
Fiserv (Clover)
Clover Go brings tap-to-pay and a full business management suite to small and growing merchants.
Dojo
Tap to Pay from a UK card-machine specialist, well suited to higher-volume merchants.
Elavon (U.S. Bank)
Tap to Pay on iPhone from Elavon Mobile, backed by U.S. Bank's acquiring network.
Flatpay ApS
Flat, transparent transaction pricing with Tap to Pay and POS, expanding across Europe.
Flutterwave
Pan-African payments company offering in-person acceptance including tap-to-pay in 30+ markets.
GoDaddy
Contactless acceptance in the GoDaddy Commerce app for sellers already using GoDaddy for web and commerce.
Global Payments
Global Payments' Tap to Pay app for European merchants, no extra hardware required.
Helcim
Interchange-plus pricing that drops as you grow, with Tap to Pay on iPhone and transparent fees.
iKhokha
Free in-app tap-on-phone — one of South Africa's lowest-cost entry points to card acceptance.
CloudWalk (InfinitePay)
Brazilian fintech that pioneered Tap to Pay on iPhone, supporting both iOS and Android.
Lightspeed Commerce
Tap to Pay on iPhone for retail and hospitality merchants on the Lightspeed platform.
Mercado Libre Group
Dominant Latin American fintech with Tap to Pay on iPhone and Point Tap on Android.
Mollie B.V.
Dutch PSP's no-hardware contactless app with simple onboarding and no fixed contract.
Monzo Bank Ltd
Tap to Pay in the Monzo Business app for occasional sellers at markets and events (Stripe-powered).
myPOS World Ltd
Standalone tap-on-phone app that works across Europe with instant settlement to a myPOS account.
Nexi Group
Pan-European Tap to Pay via Nexi's MyPayments app for independents and small merchants.
Nubank
Tap to Pay for Nubank business account holders with fast settlement and installments.
PagBank PagSeguro
Brazilian acquirer's tap-on-phone in the PagVendas app with funds to a PagBank account.
North (Payanywhere)
Tap to Pay on iPhone with a free reader option and a familiar US mobile-payments app.
Paymob
Major MEA payments provider offering tap-to-pay alongside its gateway and POS across the region.
PayPal (formerly Zettle)
Accept contactless cards and wallets in the PayPal/Zettle app and get funds in your PayPal balance fast.
Pine Labs
Early Indian SoftPOS turning NFC Android phones into card readers, with EMI conversion.
Razorpay (Ezetap)
SoftPOS / Tap to Pay for Indian merchants turning Android phones into card machines.
Revolut Ltd
Tap to Pay on iPhone inside Revolut Business, strong for international and multi-currency sellers.
Shopify Inc.
Tap to Pay inside Shopify POS, syncing in-person sales with your Shopify online store and inventory.
Block, Inc.
Turns an iPhone or Android phone into a contactless card reader for free, with a full POS, invoicing and reporting behind it.
Stripe, Inc.
Developer-first Tap to Pay via the Stripe Terminal SDK — embed contactless acceptance into your own iOS or Android app.
SumUp
No-monthly-fee contactless acceptance with a bundled business account, strong across Europe and beyond.
Teya (formerly SaltPay)
Membership pricing with a bundled business account and 50+ ePOS integrations across Europe.
Tide Platform Ltd
Tap to Pay on iPhone for Tide business account holders, with a subscription option to cut rates.
Toast, Inc.
Restaurant-focused contactless acceptance built into the Toast platform for tableside and on-the-go orders.
StoneCo
Stone's SME brand with tap-on-phone plus unified Pix QR and SoftPOS acceptance.
NatWest Group (Tyl)
Bank-backed tap-on-phone with no monthly app or PCI fees; no NatWest bank account required.
Tyro Payments Ltd
Tap to Pay on iPhone from an Australian fintech; works alongside an existing bank account.
Viva.com (Viva Wallet)
Pan-European acquirer with Tap to Pay built into the Viva.com Business app and a bundled account.
Westpac Banking Corporation
Australian bank's no-hardware Tap to Pay app with no monthly fees or lock-in.
Worldline
Pan-European/global SoftPOS available as a standalone app or SDK, deployed in 20+ markets.
Worldpay
Tap to Pay from a global acquiring giant, aimed at mid-market and enterprise merchants.
Yoco
Leading South African SME provider offering tap-on-phone within its app and POS ecosystem.
Zeller
Australian all-in-one fintech with Tap to Pay built into one app alongside accounts and cards.
No apps match those filters. Try widening your selection.
It depends on your needs and country. Square is the most popular all-rounder in the US with a free POS; SumUp and myPOS are strong in Europe with low fees; Stripe is best for developers. Use the filters to find the best match for your platform, region and budget.
Yes. Many tap to pay apps have no monthly fee and only charge a per-transaction percentage, including Square, SumUp, PayPal and GoDaddy.
Yes. Effectively every tap to pay app accepts contactless Visa, Mastercard and American Express cards, plus mobile wallets like Apple Pay and Google Pay.
Yes. Samsung phones run Android, so any Android tap to pay (SoftPOS) app that supports NFC will work on a compatible Samsung device.