Many Tap to Pay apps charge no mandatory monthly fee, letting you accept contactless payments with only a per-transaction cost. This pay-as-you-go model is ideal for businesses with variable sales volume, seasonal operations, or anyone who wants to avoid fixed monthly charges.
The apps below all offer a free tier with no monthly subscription. You'll still pay a percentage fee on each transaction (typically 1.5% to 2.9%), but there's no minimum monthly spend or recurring charge. Square is the most popular free option, with a full POS, invoicing and reporting at no monthly cost. Stripe and SumUp also charge zero monthly fees on their standard plans, while neobank-linked apps like Revolut and Monzo bundle free Tap to Pay with a business account.
Keep in mind that 'no monthly fee' doesn't mean zero cost — you pay per transaction, and those rates vary. Some providers offer paid plans with lower per-transaction fees if your volume is high enough to justify the monthly charge. Compare transaction rates on our cheapest apps page and check whether you need features like business reporting that might only be available on paid tiers.
| 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 |
| Chase Tap to Pay | iPhone | Chase merchant-services processing rates apply; varies by account. | None to start | US businesses banking with Chase |
| Elavon Tap to Pay | iPhone | Negotiated acquiring rates; varies by merchant. | None to start | Merchants wanting a bank-grade processor |
| 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 |
| Helcim Tap to Pay | iPhone | Interchange-plus (e.g. ~0.4% + 8¢ above interchange in person); no monthly fee. Effective rates fall with volume. | None to start | Cost-conscious merchants wanting transparent pricing |
| 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 |
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.
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.
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.
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.
Tide Platform Ltd
Tap to Pay on iPhone for Tide business account holders, with a subscription option to cut rates.
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.
Most free Tap to Pay apps charge no monthly subscription and no setup fees, but you do pay a percentage + sometimes a fixed amount per transaction. Some apps also charge for optional features like instant payouts, chargebacks or hardware accessories.
There's usually no catch — providers make money from the per-transaction fees. The trade-off is that free plans often have slightly higher transaction rates than paid plans, and advanced features (like detailed reporting or integrations) may be limited or require an upgrade.
If you process high volumes, a paid plan with a lower transaction rate can save money overall. Use a breakeven calculator: (monthly fee) ÷ (rate difference per transaction) = volume where paid plan becomes cheaper. For most small businesses, free plans are more cost-effective.
Most free Tap to Pay apps don't impose artificial transaction volume limits, but they do have per-transaction limits (typically $5,000–$10,000 per tap) and may require additional verification for high-volume accounts.