Tap to Pay on iPhone lets you accept contactless cards and mobile wallets directly on your iPhone XS or later, with no card reader or extra hardware. Apple's built-in framework makes it seamless: download a payment provider's app, enter an amount, and ask the customer to tap their card on the back of your phone.
The apps below all support Tap to Pay on iPhone, but they differ significantly on transaction fees, payout speed, monthly costs, and business tools like invoicing and reporting. Square and Stripe are the most widely used, offering full POS features and fast payouts. PayPal is familiar to many customers, while neobank options like Revolut and Tide bundle payments with business banking. If you're outside the US or UK, check each app's country availability — providers like SumUp and Adyen have strong European coverage.
Start by comparing transaction rates and whether the app charges a monthly fee. Most apps on this list are free to start, charging only per transaction. If you need detailed sales analytics, filter for apps with business reporting tools. And if you also use an Android device, see our iPhone vs Android comparison to understand the platform 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 |
| Chase Tap to Pay | iPhone | Chase merchant-services processing rates apply; varies by account. | None to start | US businesses banking with Chase |
| 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 |
| 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 |
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.
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.
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.
Tap to Pay on iPhone works on iPhone XS and later models running a recent iOS version (typically iOS 15.5 or higher). This includes iPhone XS, XR, 11, 12, 13, 14, 15, 16 and later. The exact iOS requirement depends on the payment provider's app.
No. Tap to Pay on iPhone uses the phone's built-in NFC chip, so you don't need a separate card reader or dongle. Just download the app and you're ready to accept contactless payments.
Transaction fees typically range from around 1.5% to 2.9% per tap, with many apps charging no monthly fee. See our cheapest tap to pay apps page for current rate comparisons.
Most providers settle funds within 1–2 business days. Some apps, especially those linked to a business account (like Revolut, Tide or Monzo), offer same-day or instant payouts.
Many providers support both platforms, including Square, Stripe, PayPal and SumUp. However, some apps are iPhone-only (e.g., Revolut, Helcim, Tide). Check the platform badges on each app's detail page.