Tap to Pay on Android — often called SoftPOS or Tap on Phone — turns your NFC-enabled Android phone into a contactless card terminal. Instead of buying a card reader, you download a certified payment app and customers tap their card or phone directly on the back of your device. Most recent Android phones support it, though exact requirements vary by provider.
The apps below are all certified SoftPOS solutions, but they differ on transaction fees, payout speed, country availability, and features like invoicing and reporting. Square and SumUp are popular for small businesses in multiple markets, while Stripe powers Tap to Pay for platforms and developers. Regional specialists like iKhokha (South Africa), Pine Labs AllTap (India) and Zeller (Australia) offer local expertise and pricing.
Check each app's transaction rate, monthly fee (many are free to start), and whether it includes business reporting if you need sales analytics. If you use both Android and iPhone devices in your business, many providers support both platforms — see our Android vs iPhone guide for the differences.
| App | Platforms | In-person pricing | Monthly fee | Best for |
|---|---|---|---|---|
| Adyen Tap to Pay | iPhone & Android | Interchange++ plus a per-transaction fee; negotiated, enterprise-oriented pricing. | None to start | Enterprises & platforms with global footprints |
| BNZ Pay | iPhone & Android | BNZ merchant-services rates apply; varies by business. | None to start | New Zealand businesses banking with BNZ |
| 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 |
| Dojo Tap to Pay | iPhone & Android | ~1.4% + 5p with ~£20/mo; better value at higher volumes. | From $20/mo | Higher-volume UK merchants |
| Flatpay | iPhone & Android | Flat ~0.99%–1.49% per transaction; some markets include free hardware. | None to start | European SMEs wanting predictable flat pricing |
| Flutterwave | iPhone & Android | Transaction-based pricing; varies by country. | None to start | Businesses operating across multiple African markets |
| GoDaddy Tap to Pay | iPhone & Android | Around 2.6% + 0¢ in person; no mandatory monthly fee on the base plan. | None to start | GoDaddy website & store owners |
| GP tom (Global Payments) | iPhone & Android | Transaction-based pricing; varies by market and plan. | None to start | European merchants on Global Payments |
| iKhokha Tap on Phone | Android | Free in-app (no hardware fee); tiered rates from ~1.75% that fall with volume. | None to start | South African micro & small businesses |
| InfinitePay InfiniteTap | iPhone & Android | Transaction-based; free account tools (payment links, boletos). | None to start | Brazilian sellers wanting iOS + Android tap |
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.
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.
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.
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.
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.
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.
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.
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.
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.
Most NFC-enabled Android phones running Android 8 or later can support SoftPOS apps, though exact requirements vary by provider. Samsung, Google Pixel, OnePlus and other major brands typically work. Check the specific app for its device requirements.
They achieve the same thing — accepting contactless payments on a phone — but use different underlying technology. Android apps use certified SoftPOS solutions, while iPhone uses Apple's Tap to Pay framework. See our comparison guide for more detail.
No. These apps use your phone's built-in NFC chip to read contactless cards and mobile wallets, so no external hardware is required.
Transaction fees typically range from around 1.5% to 2.9%, and many apps have no monthly fee. See our cheapest apps page for current pricing.
Many Android SoftPOS apps support PIN on glass for higher-value transactions, letting customers enter their PIN on the phone screen. Check the individual app for PIN support.