Transaction fees are usually the biggest cost of accepting Tap to Pay payments, so finding the cheapest rate can save you hundreds or thousands per year depending on your sales volume. Rates typically range from around 1.5% to 2.9% per contactless transaction, with some providers adding a small fixed fee (like 10¢ or 15¢) on top of the percentage.
The apps below are ranked by their headline in-person contactless rate. Regional specialists and neobank-linked apps often have the lowest rates — for example Flatpay offers a flat subscription model in Europe, while Revolut, Tide and Monzo offer competitive rates if you hold a business account with them. Large providers like Square and Stripe have higher headline rates but often negotiate custom pricing for high-volume merchants.
Remember that the 'cheapest' app depends on your situation. Compare total cost (transaction fee × volume) + monthly fees. A slightly higher transaction rate with no monthly fee can be cheaper than a low rate with a $30/month subscription if your volume is modest. Also consider payout speed — faster access to your money has value. See our fees explained guide for how to calculate your real cost.
| App | Platforms | In-person pricing | Monthly fee | Best for |
|---|---|---|---|---|
| Teya Tap to Pay | iPhone & Android | Membership-based pricing from ~0.5% per transaction; next-day settlement. | Varies | European SMEs wanting membership pricing |
| Ton TapTon (Stone) | iPhone & Android | No rental; debit from ~0.79%, credit from ~3.05% (plan-dependent). | None to start | Brazilian merchants wanting Pix + cards |
| Revolut Tap to Pay | iPhone | 0.8% + 10p (Visa/Mastercard) or 1.7% + 10p (Amex); plans from ~£10/mo. | From $10/mo | Revolut Business account holders |
| Nubank NuTap | iPhone & Android | No rental; debit ~0.89%, credit ~3.09% (plan-dependent). Requires Nubank PJ account. | None to start | Brazilian Nubank business account holders |
| Flatpay | iPhone & Android | Flat ~0.99%–1.49% per transaction; some markets include free hardware. | None to start | European SMEs wanting predictable flat pricing |
| Tyl by NatWest Tap to Pay | iPhone & Android | No monthly app/PCI fee; 1.39% domestic/EU consumer cards, 1.99% other. | None to start | UK merchants wanting a bank-backed option |
| Dojo Tap to Pay | iPhone & Android | ~1.4% + 5p with ~£20/mo; better value at higher volumes. | From $20/mo | Higher-volume UK merchants |
| Monzo Tap to Pay | iPhone & Android | 1.4% + 20p (UK consumer cards), 2.9% + 20p (international). Payouts ~3 working days. | None to start | Monzo Business account holders selling occasionally |
| Westpac EFTPOS Air | iPhone & Android | 1.4% per transaction; no setup costs, monthly fees or lock-in. | None to start | Australian businesses wanting a bank-backed app |
| Zeller Tap to Pay | iPhone & Android | ~1.4% per transaction; no monthly fee or contract. | None to start | Australian businesses wanting account + payments in one |
Teya (formerly SaltPay)
Membership pricing with a bundled business account and 50+ ePOS integrations across Europe.
StoneCo
Stone's SME brand with tap-on-phone plus unified Pix QR and SoftPOS acceptance.
Revolut Ltd
Tap to Pay on iPhone inside Revolut Business, strong for international and multi-currency sellers.
Nubank
Tap to Pay for Nubank business account holders with fast settlement and installments.
Flatpay ApS
Flat, transparent transaction pricing with Tap to Pay and POS, expanding across Europe.
NatWest Group (Tyl)
Bank-backed tap-on-phone with no monthly app or PCI fees; no NatWest bank account required.
Dojo
Tap to Pay from a UK card-machine specialist, well suited to higher-volume merchants.
Monzo Bank Ltd
Tap to Pay in the Monzo Business app for occasional sellers at markets and events (Stripe-powered).
Westpac Banking Corporation
Australian bank's no-hardware Tap to Pay app with no monthly fees or lock-in.
Zeller
Australian all-in-one fintech with Tap to Pay built into one app alongside accounts and cards.
Tyro Payments Ltd
Tap to Pay on iPhone from an Australian fintech; works alongside an existing bank account.
Tide Platform Ltd
Tap to Pay on iPhone for Tide business account holders, with a subscription option to cut rates.
myPOS World Ltd
Standalone tap-on-phone app that works across Europe with instant settlement to a myPOS account.
SumUp
No-monthly-fee contactless acceptance with a bundled business account, strong across Europe and beyond.
iKhokha
Free in-app tap-on-phone — one of South Africa's lowest-cost entry points to card acceptance.
PayPal (formerly Zettle)
Accept contactless cards and wallets in the PayPal/Zettle app and get funds in your PayPal balance fast.
Block, Inc.
Turns an iPhone or Android phone into a contactless card reader for free, with a full POS, invoicing and reporting behind it.
Shopify Inc.
Tap to Pay inside Shopify POS, syncing in-person sales with your Shopify online store and inventory.
Fiserv (Clover)
Clover Go brings tap-to-pay and a full business management suite to small and growing merchants.
GoDaddy
Contactless acceptance in the GoDaddy Commerce app for sellers already using GoDaddy for web and commerce.
North (Payanywhere)
Tap to Pay on iPhone with a free reader option and a familiar US mobile-payments app.
Stripe, Inc.
Developer-first Tap to Pay via the Stripe Terminal SDK — embed contactless acceptance into your own iOS or Android app.
Yoco
Leading South African SME provider offering tap-on-phone within its app and POS ecosystem.
Mercado Libre Group
Dominant Latin American fintech with Tap to Pay on iPhone and Point Tap on Android.
Rates vary widely by provider, country and business type. Some neobank-linked apps and flat-rate subscription models offer rates as low as 1%–1.5%, while mainstream providers typically charge 2.0%–2.9%. Volume discounts and negotiated rates can lower costs further.
Not necessarily. Consider total cost (transaction fees + monthly fees), payout speed, country availability, and whether you need features like invoicing or reporting. A slightly higher rate with better features and faster payouts may be more valuable overall.
Not always. Some neobank apps bundle low-cost payments with a full business account and reporting. However, very low-rate providers sometimes have fewer integrations, slower support, or limited features compared to premium apps.
Many providers, especially Stripe, Square and larger processors, offer custom pricing for businesses with higher transaction volumes or specific needs. Contact sales to discuss volume discounts.
Beyond the transaction rate, check for monthly fees, chargeback fees, instant payout fees, currency conversion fees (if you accept international cards), and fees for optional features. See our fees guide for a full breakdown.