BNZ Pay
Bank of New Zealand
New Zealand bank's Tap to Pay app for accepting contactless payments on a phone.
iPhone & Android No monthly fee APAC
Pricing: BNZ merchant-services rates apply; varies by business.
Best Tap to Pay Apps for Small Business
Small businesses need more than just payment acceptance — you want invoicing, inventory tracking, sales reporting, and integrations with your accounting software, all without the complexity and cost of enterprise systems. The best Tap to Pay apps for small business bundle contactless payments with a lightweight POS and business tools, letting you run more of your operation from one app.
The apps below are ranked for small-business fit: ease of use, features beyond payment acceptance, transparent pricing, and good support. Square is the most popular choice, offering a free full-featured POS with inventory, invoicing, online sales and detailed reporting. Stripe is developer-friendly and ideal if you're building a custom app or platform. SumUp is strong in Europe with simple pricing and no monthly fee. Neobank options like Tide, Revolut and Monzo bundle payments with business banking, giving you instant access to your funds and expense tracking in one place.
When choosing, compare transaction fees (see our cheapest apps list), check whether the app is free to start, and verify it has the specific features you need — like business reporting dashboards, receipt printing, team permissions or integrations. Also confirm the app supports your country and platform (iPhone or Android). Read our how to accept tap to pay guide for step-by-step setup.
Compare at a glance
| App | Platforms | In-person pricing | Monthly fee | Best for |
|---|---|---|---|---|
| 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 |
| 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 |
39 apps to consider
Chase Tap to Pay
JPMorgan Chase
Tap to Pay on iPhone from a major US bank, integrated with Chase business banking and payments.
iPhone No monthly fee North America
Pricing: Chase merchant-services processing rates apply; varies by account.
Clover Go / Tap to Pay
Fiserv (Clover)
Clover Go brings tap-to-pay and a full business management suite to small and growing merchants.
iPhone & Android North America UK Europe
Pricing: Around 2.6% + 10¢ in person; plan and hardware costs vary, monthly software fees may apply.
Dojo Tap to Pay
Dojo
Tap to Pay from a UK card-machine specialist, well suited to higher-volume merchants.
iPhone & Android UK Europe
Pricing: ~1.4% + 5p with ~£20/mo; better value at higher volumes.
Elavon Tap to Pay
Elavon (U.S. Bank)
Tap to Pay on iPhone from Elavon Mobile, backed by U.S. Bank's acquiring network.
iPhone No monthly fee North America UK Europe
Pricing: Negotiated acquiring rates; varies by merchant.
Flatpay
Flatpay ApS
Flat, transparent transaction pricing with Tap to Pay and POS, expanding across Europe.
iPhone & Android No monthly fee Europe UK
Pricing: Flat ~0.99%–1.49% per transaction; some markets include free hardware.
Flutterwave
Flutterwave
Pan-African payments company offering in-person acceptance including tap-to-pay in 30+ markets.
iPhone & Android No monthly fee Africa
Pricing: Transaction-based pricing; varies by country.
GoDaddy Tap to Pay
GoDaddy
Contactless acceptance in the GoDaddy Commerce app for sellers already using GoDaddy for web and commerce.
iPhone & Android No monthly fee North America
Pricing: Around 2.6% + 0¢ in person; no mandatory monthly fee on the base plan.
GP tom (Global Payments)
Global Payments
Global Payments' Tap to Pay app for European merchants, no extra hardware required.
iPhone & Android No monthly fee UK Europe
Pricing: Transaction-based pricing; varies by market and plan.
Helcim Tap to Pay
Helcim
Interchange-plus pricing that drops as you grow, with Tap to Pay on iPhone and transparent fees.
iPhone No monthly fee North America
Pricing: Interchange-plus (e.g. ~0.4% + 8¢ above interchange in person); no monthly fee. Effective rates fall with volume.
iKhokha Tap on Phone
iKhokha
Free in-app tap-on-phone — one of South Africa's lowest-cost entry points to card acceptance.
Android No monthly fee Africa
Pricing: Free in-app (no hardware fee); tiered rates from ~1.75% that fall with volume.
InfinitePay InfiniteTap
CloudWalk (InfinitePay)
Brazilian fintech that pioneered Tap to Pay on iPhone, supporting both iOS and Android.
iPhone & Android No monthly fee LATAM
Pricing: Transaction-based; free account tools (payment links, boletos).
Mercado Pago Tap to Pay
Mercado Libre Group
Dominant Latin American fintech with Tap to Pay on iPhone and Point Tap on Android.
iPhone & Android No monthly fee LATAM
Pricing: Promotional rates for new users (e.g. ~2.99% for 3 months on Point Tap, Brazil); varies by country.
Mollie Tap
Mollie B.V.
Dutch PSP's no-hardware contactless app with simple onboarding and no fixed contract.
iPhone & Android No monthly fee UK Europe
Pricing: Per-transaction pricing, no fixed contract, no hardware cost; rates vary by market.
Monzo Tap to Pay
Monzo Bank Ltd
Tap to Pay in the Monzo Business app for occasional sellers at markets and events (Stripe-powered).
iPhone & Android No monthly fee UK
Pricing: 1.4% + 20p (UK consumer cards), 2.9% + 20p (international). Payouts ~3 working days.
myPOS Glass
myPOS World Ltd
Standalone tap-on-phone app that works across Europe with instant settlement to a myPOS account.
iPhone & Android No monthly fee UK Europe
Pricing: Free plan ~1.6% + £0.07; paid plan ~1.1% + £0.07 at £4.90/mo. Higher for foreign cards.
Nexi SoftPOS
Nexi Group
Pan-European Tap to Pay via Nexi's MyPayments app for independents and small merchants.
iPhone & Android No monthly fee Europe
Pricing: Transaction-based pricing; varies by market.
Nubank NuTap
Nubank
Tap to Pay for Nubank business account holders with fast settlement and installments.
iPhone & Android No monthly fee LATAM
Pricing: No rental; debit ~0.89%, credit ~3.09% (plan-dependent). Requires Nubank PJ account.
PagBank Tap On
PagBank PagSeguro
Brazilian acquirer's tap-on-phone in the PagVendas app with funds to a PagBank account.
iPhone & Android No monthly fee LATAM
Pricing: Transaction-based, no rental; settlement timing affects rate.
Payanywhere
North (Payanywhere)
Tap to Pay on iPhone with a free reader option and a familiar US mobile-payments app.
iPhone No monthly fee North America
Pricing: Flat-rate ~2.69% in person, or interchange-plus plans. No mandatory monthly fee.
Paymob
Paymob
Major MEA payments provider offering tap-to-pay alongside its gateway and POS across the region.
iPhone & Android No monthly fee MEA
Pricing: Transaction-based pricing; varies by market.
PayPal Tap to Pay
PayPal (formerly Zettle)
Accept contactless cards and wallets in the PayPal/Zettle app and get funds in your PayPal balance fast.
iPhone & Android No monthly fee North America UK Europe
Pricing: Around 2.29% + 9¢ per contactless transaction in the US. No monthly fee.
Pine Labs AllTap
Pine Labs
Early Indian SoftPOS turning NFC Android phones into card readers, with EMI conversion.
Android No monthly fee APAC
Pricing: Transaction-based; zero hardware investment.
Razorpay POS Tap to Pay
Razorpay (Ezetap)
SoftPOS / Tap to Pay for Indian merchants turning Android phones into card machines.
Android No monthly fee APAC
Pricing: Transaction-based pricing; varies by plan.
Revolut Tap to Pay
Revolut Ltd
Tap to Pay on iPhone inside Revolut Business, strong for international and multi-currency sellers.
iPhone UK Europe
Pricing: 0.8% + 10p (Visa/Mastercard) or 1.7% + 10p (Amex); plans from ~£10/mo.
Shopify Tap to Pay
Shopify Inc.
Tap to Pay inside Shopify POS, syncing in-person sales with your Shopify online store and inventory.
iPhone & Android North America UK Europe
Pricing: In-person rates from ~2.6% + 0¢ depending on Shopify plan; requires a Shopify subscription (plans from ~$29/mo).
Square
Block, Inc.
Turns an iPhone or Android phone into a contactless card reader for free, with a full POS, invoicing and reporting behind it.
iPhone & Android No monthly fee North America UK Europe
Pricing: 2.6% + 15¢ contactless on the free plan (2.5% + 15¢ Plus, 2.4% + 15¢ Premium). No monthly fee on the free plan.
Stripe Tap to Pay
Stripe, Inc.
Developer-first Tap to Pay via the Stripe Terminal SDK — embed contactless acceptance into your own iOS or Android app.
iPhone & Android No monthly fee North America UK Europe
Pricing: Typically 2.7% + 5¢ for in-person card payments in the US (varies by country and negotiated rates). No mandatory monthly fee.
SumUp Tap to Pay
SumUp
No-monthly-fee contactless acceptance with a bundled business account, strong across Europe and beyond.
iPhone & Android No monthly fee UK Europe LATAM
Pricing: No monthly fee; roughly 1.69% (UK) up to ~2.1% in some markets per contactless transaction.
Teya Tap to Pay
Teya (formerly SaltPay)
Membership pricing with a bundled business account and 50+ ePOS integrations across Europe.
iPhone & Android UK Europe
Pricing: Membership-based pricing from ~0.5% per transaction; next-day settlement.
Tide Tap to Pay
Tide Platform Ltd
Tap to Pay on iPhone for Tide business account holders, with a subscription option to cut rates.
iPhone No monthly fee UK
Pricing: PAYG 1.5% + 11p, or 0.89% + 9p with a £17.99/mo 'Sell In Person' subscription.
Ton TapTon (Stone)
StoneCo
Stone's SME brand with tap-on-phone plus unified Pix QR and SoftPOS acceptance.
iPhone & Android No monthly fee LATAM
Pricing: No rental; debit from ~0.79%, credit from ~3.05% (plan-dependent).
Tyl by NatWest Tap to Pay
NatWest Group (Tyl)
Bank-backed tap-on-phone with no monthly app or PCI fees; no NatWest bank account required.
iPhone & Android No monthly fee UK
Pricing: No monthly app/PCI fee; 1.39% domestic/EU consumer cards, 1.99% other.
Tyro BYO App
Tyro Payments Ltd
Tap to Pay on iPhone from an Australian fintech; works alongside an existing bank account.
iPhone No monthly fee APAC
Pricing: ~1.4% per transaction; generally no monthly fee or contract.
Viva.com Tap to Pay
Viva.com (Viva Wallet)
Pan-European acquirer with Tap to Pay built into the Viva.com Business app and a bundled account.
iPhone & Android No monthly fee UK Europe
Pricing: Competitive SME transaction rates, no dedicated hardware cost; varies by country.
Westpac EFTPOS Air
Westpac Banking Corporation
Australian bank's no-hardware Tap to Pay app with no monthly fees or lock-in.
iPhone & Android No monthly fee APAC
Pricing: 1.4% per transaction; no setup costs, monthly fees or lock-in.
Worldline Tap on Mobile
Worldline
Pan-European/global SoftPOS available as a standalone app or SDK, deployed in 20+ markets.
iPhone & Android No monthly fee Europe APAC
Pricing: Varies by market/acquirer; transaction-fee based (e.g. ~1.3% via ANZ Worldline AU).
Yoco Tap on Phone
Yoco
Leading South African SME provider offering tap-on-phone within its app and POS ecosystem.
iPhone & Android No monthly fee Africa
Pricing: Per-transaction from ~2.95% (excl VAT), reducing with turnover; no lock-in.
Zeller Tap to Pay
Zeller
Australian all-in-one fintech with Tap to Pay built into one app alongside accounts and cards.
iPhone & Android No monthly fee APAC
Pricing: ~1.4% per transaction; no monthly fee or contract.
Frequently asked questions
What features should I look for in a small business Tap to Pay app?+
Prioritize: (1) transparent, affordable pricing with no monthly fee or a low one; (2) invoicing and payment links; (3) sales reporting and analytics; (4) inventory management if you sell products; (5) fast payouts (1–2 days or same-day); (6) good customer support; (7) integrations with accounting software like QuickBooks or Xero.
Do I need a business bank account to use these apps?+
It depends. Some apps (especially neobank ones like Tide, Revolut, Monzo) require you to open a business account with them. Others like Square, Stripe and SumUp let you connect an existing bank account for payouts.
Can I use Tap to Pay for both in-person and online sales?+
Yes. Many apps (like Square, Stripe, PayPal) offer a unified platform for in-person Tap to Pay, online checkout, invoices and payment links, all under one account with consolidated reporting.
How do I choose between Square, Stripe and SumUp?+
Square is best for most small businesses wanting an all-in-one free POS with strong reporting and inventory. Stripe is ideal if you're a developer or platform building a custom experience. SumUp is great for simple, low-cost acceptance in Europe with no monthly fee. Compare fees, country availability and specific features you need.
What if my business grows — can I scale with the same app?+
Most small-business Tap to Pay apps scale well. Square and Stripe both support high volumes and offer advanced plans and APIs as you grow. Neobank apps work for growing businesses but may have fewer enterprise integrations. Evaluate whether the app's ecosystem (integrations, multi-location support, team permissions) fits your long-term needs.